# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-285489
**Filing Date:** 2026-6
**Character Count:** 942597
**Document Hash:** a4b7e695eafa9576a1dbd5417c0ef576
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-285489.hdr.sgml**: 20260626

**ACCESSION NUMBER**: 0001193125-26-285489

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

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20260626

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

**FILED AS OF DATE**: 20260626

**DATE AS OF CHANGE**: 20260626

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 261129328

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period<u> </u> to<u> </u>** 

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

**Commission File Number of securitizer:<u> </u>** 

**Central Index Key Number of securitizer:** 

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

**contact in connection with this filing.** 

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2026-CNF6
**(Exact name of issuing entity as specified in its charter)** 

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

**Chris White** 

**(805) 530-5829** 

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

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

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

N/A

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

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

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

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

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

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

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d144101dex991.htm) |
| 99.2 | [Clayton Conditions Report](d144101dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d144101dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d144101dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d144101dex995.htm) |

---

------

**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.

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | June 26, 2026 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

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![LOGO](g144101g0521035112744.jpg)

![LOGO](g144101g94k92.jpg)

![LOGO](g144101g0521035111429.jpg)

**June 25, 2026**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g144101g0521035112744.jpg)

**TABLE OF CONTENTS**

---

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

---

PMT Loan Trust 2026-CNF6 Page \| 1 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Chris Turk** Senior Client Service Manager

Phone: (813) 472-6509/E-mail: <u>Cturk@clayton.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Joe Ozment** Vice President – Client Services & Securitization

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 295 residential loans selected for the PMT Loan Trust 2026-CNF6 transaction. The loans referenced in this narrative report were reviewed on a bulk basis between December 2025 and May 2026. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 43 | 14.58% |
|  Correspondent Bulk | 176 | 59.66% |
|  Retail | 76 | 25.76% |
|  **Total** | **295** | **100.00%** |

---

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

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

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

PMT Loan Trust 2026-CNF6 Page \| 2 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 295 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| **Full Review** | 295 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 295 |  |

---

**SPONSOR ACQUISITION CRITERIA** 

The loans were originated to each Seller's Guidelines and Clayton reviewed the loans to the Agency Seller Guide Loan Eligibility Requirements, ("Sponsor Acquisition Criteria"). Clayton was supplied with all changes to the guidelines with advance notice.

**LOAN GRADING** 

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth waivers. The compliance exception report lists all exceptions within a loan.

Clayton's loan grading complied with the following rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Kroll and DBRS:

![LOGO](g144101g69v36.jpg)

PMT Loan Trust 2026-CNF6 Page \| 3 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**TPR COMPONENT REVIEW SCOPE** 

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

CREDIT REVIEW

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor
Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

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

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Original Appraisal Assessment (295 loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete,
thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B
and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value Supported Analysis (295 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CU/LCA Score of 2.5 or below

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Desk Review/BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Field Review/2055 Drive-by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Second Full Appraisal

For further detail please refer to the PMTLT 2026-CNF6 Valuations Summary Report

PMT Loan Trust 2026-CNF6 Page \| 4 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

REGULATORY COMPLIANCE REVIEW

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty
provisions;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Notice of Right to Cancel (Right of Rescission) adherence if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL Disclosure Timing (3/7/3) and disclosure content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL APR and Finance charge tolerances;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Timeliness of ARM Disclosures (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 32 APR and Points and Fees Thresholds and prohibited practices;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing
Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after
1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in
accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with
either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepayment Penalty restrictions.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE initial disclosure timing and content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed the file contains the final HUD1 Settlement Statement;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Affiliated Business Disclosure if applicable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure
Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an

PMT Loan Trust 2026-CNF6 Page \| 5 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

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

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Escrow of insurance payments

**DATA INTEGRITY** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored.

PMT Loan Trust 2026-CNF6 Page \| 6 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**DATA CAPTURE** 

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

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
|  Appraised Value | 2 | 99.32% |
|  Cash Reserves | 74 | 74.92% |
|  Combined Loan to Value | 1 | 99.66% |
|  DTI (Back) | 17 | 94.24% |
|  Income (Calculated) | 76 | 74.24% |
|  Loan Purpose | 20 | 93.22% |
|  Loan to Value | 1 | 99.66% |
|  Maturity Date | 1 | 99.66% |
|  Note Date | 2 | 99.32% |
|  Product Type | 12 | 95.93% |
|  Property Type | 14 | 95.25% |
|  Representative Score | 1 | 99.66% |

---

PMT Loan Trust 2026-CNF6 Page \| 7 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**CLAYTON DUE DILIGENCE RESULTS** 

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (295 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 62 |  | 13 | 76 | **151** |
| **Final** | **B** |  | 13 | 12 | 105 | **130** |
| **Final** | **C** |  |  | 1 | 10 | **11** |
| **Final** | **D** |  |  |  | 3 | **3** |
| **Final** | **Total** | **62** | **13** | **26** | **194** | **295** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 227 | 1 | 23 | 36 | **287** |
| **Final** | **B** |  | 2 |  |  | **2** |
| **Final** | **C** |  |  | 2 | 1 | **3** |
| **Final** | **D** |  |  |  | 3 | **3** |
| **Final** | **Total** | **227** | **3** | **25** | **40** | **295** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 117 |  | 3 | 85 | **205** |
| **Final** | **B** |  |  | 4 | 83 | **87** |
| **Final** | **C** |  |  |  | 3 | **3** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **117** | **0** | **7** | **171** | **295** |

---

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 205 | 1 | 13 | 13 | **232** |
| **Final** | **B** |  | 36 | 13 | 8 | **57** |
| **Final** | **C** |  |  | 3 | 2 | **5** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **205** | **37** | **29** | **24** | **295** |

---

PMT Loan Trust 2026-CNF6 Page \| 8 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. RA ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Standard Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Tape Compare

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Narrative Report

PMT Loan Trust 2026-CNF6 Page \| 9 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assets and reserves

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Citizenship status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non- occupant co-borrower

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum loan amount

&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;• Occupancy

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial loan application was in the loan file and was signed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final loan application was in the loan file and was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Information and debts disclosed on loan application aligned with related documentation in the loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verbal and/or written verifications of employments (VVOE, VOE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CPA letter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Business licenses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax transcripts (IRS Form 4506-T)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Required income documentation for all borrowers was present and within required time period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Documents did not appear to have been altered or inconsistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS Form 4506-T

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1099

PMT Loan Trust 2026-CNF6 Page \| 10 June 25, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Award letters

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Depository account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Settlements statements

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Complete copy of report was in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Report was dated within required timeframe

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All borrowers were included in the report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Checked any fraud alerts against related loan file documentation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured and utilized appropriate credit score for guideline review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Leasehold estate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appropriate vestee(s) were listed on title policy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Amount of coverage was greater than or equal to the original principal amount of the mortgage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Applicable title endorsements were present

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured monthly tax payments in debt ratio calculation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Funds to close identified and analyzed against borrower's assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Seller contributions did not exceed maximum allowed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property, seller and borrower aligned with other loan documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disbursements and pay-offs included in debt ratio calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan purpose confirmed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verified presence of required hazard insurance and flood insurance (if required)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct property

PMT Loan Trust 2026-CNF6 Page \| 11 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Life of loan, if flood insurance required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance minimum coverage amount and policy period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for evidence that any required insurance policy premium was paid

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined if mortgage insurance is required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured mortgage insurance name, certificate # and percentage guarantee (when required)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• OFAC

PMT Loan Trust 2026-CNF6 Page \| 12 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report form, certification, statement of limiting conditions and scope of work

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject loan transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the property type, in both land and improvements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Location map

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for
all material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal date met supplied Sponsor Acquisition Criteria

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor
Acquisition Criteria

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the
appraiser's license included in the appraisal.

PMT Loan Trust 2026-CNF6 Page \| 13 June 25, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a
risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• USPAP

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were located reasonably close to the subject property and if not the reason was satisfactorily
explained

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably recent in transaction date and if not the reason was furnished

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably similar to the subject property and if not an explanation was supplied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all
material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property usage was reviewed for zoning compliance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property utilization was reviewed to determine it was "highest and best use"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Neighborhood values were reviewed to determine if declining

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Predominant occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Physical condition of the property was reviewed to determine that the property condition was average or better

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Style of property was reviewed to determine if unique property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any health and safety issues were noted and/or remediated

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Locational and/or environmental concerns adequately addressed if present

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Unique properties

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

PMT Loan Trust 2026-CNF6 Page \| 14 June 25, 2026

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E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared
Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify
whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The individuals performing the aforementioned original appraisal assessment are not persons providing valuations
for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that
Clayton may have reviewed valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the
actual value of the underlying property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and
therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real
property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market
as of the effective date of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline
deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear
Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry
accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

PMT Loan Trust 2026-CNF6 Page \| 15 June 25, 2026

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in
the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known
affiliate, confirm the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to
the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** – Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and
APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional
disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days
of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower
discussing ARM programs identified within the loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents,
financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

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

PMT Loan Trust 2026-CNF6 Page \| 16 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

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

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

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

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

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

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

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

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

---

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

---

PMT Loan Trust 2026-CNF6 Page \| 17 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

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

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

---

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

---

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

PMT Loan Trust 2026-CNF6 Page \| 18 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

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

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

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

---

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

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

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

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

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

PMT Loan Trust 2026-CNF6 Page \| 19 June 25, 2026

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![LOGO](g144101g0521035112744.jpg)

**<u>Disclaimer</u>**

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

<sup>©</sup> 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC.

PMT Loan Trust 2026-CNF6 Page \| 20 June 25, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF6_J17053** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *295* |
| ***Loans with Conditions:*** | *241* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**69 - Total Active Conditions** | |
| **17 - Material Conditions** | **17 - Material Conditions** |
| 6 - Credit Review Scope | 6 - Credit Review Scope |
|  | 1 - Category: Assets |
|  | 1 - Category: DTI |
|  | 2 - Category: Insurance |
|  | 1 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope | 3 - Property Valuations Review Scope |
|  | 3 - Category: Value |
| 8 - Compliance Review Scope | 8 - Compliance Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Federal Consumer Protection |
|  | 2 - Category: Finance Charge Tolerance |
|  | 1 - Category: Right of Rescission |
|  | 3 - Category: TILA/RESPA Integrated Disclosure |
| **52 - Non-Material Conditions** | **52 - Non-Material Conditions** |
| 2 - Credit Review Scope | 2 - Credit Review Scope |
|  | 2 - Category: Income/Employment |
| 50 - Compliance Review Scope | 50 - Compliance Review Scope |
|  | 2 - Category: Borrower's Interest |
|  | 37 - Category: RESPA |
|  | 6 - Category: Right of Rescission |
|  | 3 - Category: Texas Home Equity |
|  | 2 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**429 - Total Satisfied Conditions** |  |
| 74 - Credit Review Scope | 74 - Credit Review Scope |
|  | 14 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Application |
|  | 11 - Category: Assets |
|  | 2 - Category: Credit/Mtg History |
|  | 9 - Category: DTI |
|  | 19 - Category: Income/Employment |
|  | 4 - Category: Insurance |
|  | 5 - Category: Legal Documents |
|  | 1 - Category: Potential Misrepresentation |
|  | 2 - Category: Terms/Guidelines |
|  | 5 - Category: Title |
| 272 - Property Valuations Review Scope | 272 - Property Valuations Review Scope |
|  | 263 - Category: Appraisal |
|  | 3 - Category: FEMA |
|  | 6 - Category: Value |
| 83 - Compliance Review Scope | 83 - Compliance Review Scope |
|  | 19 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Compliance Manual |
|  | 2 - Category: Finance Charge Tolerance |
|  | 2 - Category: Right of Rescission |
|  | 3 - Category: Texas Home Equity |
|  | 56 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**2 - Total Waived Conditions** |  |
| 2 - Property Valuations Review Scope | 2 - Property Valuations Review Scope |
|  | 2 - Category: FEMA |

---

<sup>©</sup>2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF6_J17053** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *295* |
| ***Loans with Conditions:*** | *241* |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 Credit score exceeds guidelines 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence over 12 years. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $35,087.26, reserves not required per LP findings.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 726 exceeds guideline minimum credit score of 620.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 shows additional overtime income of $122.48 per month that was not used in qualifying. |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 218 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 513 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 is 98 points above minimum program requirement of 620. |

---

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---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>N.A.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 - Credit score exceeds guidelines—620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job—12 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $1,513,963.65 is $1,510,883.65 greater than the $3,080.00 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 787 is 167 points above the 620 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 27.78% is 67.22% below the 95% LTV allowed. |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence for over 13 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for over 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower middle fico score of 783 exceeds minimum guideline requirement |

---

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Provide<br>evidence of<br>change of<br>circumstance<br>letter or a copy<br>of a refundable<br>check for the<br>increase in the<br>amount of<br>$1625.49 for<br>discount points<br>zero percent<br>tolerance fees. | 05.27.2026—COC<br>provided. | 05.27.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.0 % is below guideline maximum 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 754 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero tolerance<br>fee increased<br>by $5625.00<br>for decreased<br>lender credit<br>from CD dated<br>XXX to CD<br>dated XXX<br>without a<br>Change of<br>Circumstance.<br>Please provide<br>Letter of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof<br>of delivery<br>within 60 days<br>of<br>consummation. | 05.27.2026 - COC<br>provided. | 05.27.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job , over 30 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57% LTV is below guideline requirements LTV/CLTV max 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 10 years |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Clayton to<br>order desk<br>review. | 6/2/2026:<br>Received CDA<br>supporting value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job , over 30 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57% LTV is below guideline requirements LTV/CLTV max 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 10 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | FEMA | Satisfied C A | XXX | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual<br>& Public) | No | Declaration

#XXX<br>XXX<br>XXX.<br>Appraisal<br>was<br>completed<br>XXX.<br>Provide<br>PDI report<br>verifying<br>no damage. | 6/2/2026:<br>Received<br>PDI dated<br>5/28/2026,<br>no<br>damage. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job , over 30 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57% LTV is below guideline requirements LTV/CLTV max 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 10 years |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CDA to be<br>ordered by<br>Clayton.<br>UCDP<br>FNMA 2.6. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are not heavy credit users.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required per AUS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico 734. Minimum fico 620. |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.15%. |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Insurance | Satisfied C A | XXX | Insufficient<br>Hazard<br>Insurance<br>Coverage | No | Homeowners<br>insurance policy<br>coverage is not<br>sufficient—Coverage<br>amount of $XXX<br>versus RCE of<br>$XXX and this<br>includes overhead<br>and profit. | 5/27/2026:<br>Received<br>verification<br>of 50%<br>extended<br>replacement<br>cost<br>endorsement. | 5/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 807 is 187 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $43,803.30/9.74 PITIA which is > guideline minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.88% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Title | Satisfied D A | XXX | Title<br>incomplete | No | The prelim title<br>report in file doesn't<br>reflect the proposed<br>insured and coverage<br>amount. | 6/8/2026:<br>Received<br>Final Title<br>showing<br>$504K<br>insured<br>coverage. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.95% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 is 160 points above minimum program requirement of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 9.42%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations FEMA | Satisfied C A | XXX | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual<br>& Public) | No | No<br>inspection<br>for<br>FEMA<br>disaster

#XXX<br>declared<br>XXX.<br>Appraisal<br>completed<br>XXX.<br>Provide<br>PDI<br>report<br>verifying<br>no<br>damage. | 5/26/2026:<br>Received<br>PDI—no<br>damage. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same profession for 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.0%. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $547,853.63 or 128.32 months of PITIA reserves > required $0.00<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.73% |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 20.74% DTI. Max allowed 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 768 median FICO. Min required 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | A Zero<br>tolerance fee<br>for State Tax<br>Stamps<br>increased<br>$637.50 from<br>CD dated<br>XXX to XXX<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | 05.27.2026—COC<br>provided | 05.27.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.30% is below guideline maximum 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @.17%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.00%; guidelines allow 80.00%. |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | A Ten percent<br>tolerance fee<br>for Recording<br>fees increased<br>$72.45 from<br>CD dated<br>XXX to XXX<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | 5.27.2026—Cure<br>provided with<br>PCCD LOX,<br>proof of delivery<br>and principal<br>curtailment. | 5.27.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.30% is below guideline maximum 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @.17%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.00%; guidelines allow 80.00%. |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 749 is 129 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 0.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.32% is below the guideline maximum of 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 3 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 710 is 90 points above the 620 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 39.84% is 5.16% below the 45% allowed. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied D A | XXX | Title<br>incomplete | No | Provide<br>updated<br>Title or<br>Title<br>supp to<br>show at<br>least<br>$XXX<br>cover to<br>meet<br>loan<br>amount.<br>Copies in<br>the file<br>have<br>$XXX<br>coverage. | 5/27/2026:<br>Received<br>updated<br>Title with<br>$XXX<br>coverage. | 5/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 277 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 is 95 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $49,814.96/21.29 PITIA which is > guideline minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 4.28%. |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 3 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 105 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 741 is 121 points above the 620 required. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $28,711.88 month > reserve requirement $0. |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | The recording<br>fee a ten<br>percent<br>tolerance fee<br>increased prior<br>to closing from<br>Loan Estimate<br>dated XXX<br>$352.00 to<br>Closing<br>Disclosure<br>dated XXX<br>$425.00 by<br>$37.80 provide<br>a Change of<br>Circumstance,<br>or a refund<br>required within<br>60 days of<br>consummation. | 05.27.2026—PCCD,<br>refund check and<br>Final ALTA<br>received. | 05.27.2026<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 735.. Requirement 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory items listed on credit. |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active B | XXX | TRID Not all<br>required seller-<br>paid fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID 2.0<br>revisions.<br>Exception<br>satisfied. Final<br>Grade A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower resided at their current residence for seven years prior to this sale<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The co-borrower has been in the same profession for 20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's minimum fico score of 770 exceeds the minimum guideline requirement |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower resided at their current residence for seven years prior to this sale<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The co-borrower has been in the same profession for 20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's minimum fico score of 770 exceeds the minimum guideline requirement |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower resided at their current residence for seven years prior to this sale<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The co-borrower has been in the same profession for 20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's minimum fico score of 770 exceeds the minimum guideline requirement |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU<br>score is<br>> 2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job—20 years +<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 Credit score exceeds guidelines 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have Significant time in profession |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has over six months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's min. fico score of 725 exceeds guidelines requirements |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.94% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | XXX | TRID—Seller<br>CD not in<br>file; need in<br>order to<br>complete fee<br>entry | No | Provide<br>Seller<br>CD in<br>order to<br>complete<br>fee<br>entry. | 06.09.2026<br>-Seller CD<br>provided | 06.09.2026-<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.99%; guidelines allow 97%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.20% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $26,387.74/6.93 PITIA which is > guideline minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 2.32%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is 169 points above minimum program requirement of 620. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received BPO<br>supporting value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.99%; guidelines allow 97%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.20% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $26,387.74/6.93 PITIA which is > guideline minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 2.32%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is 169 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received BPO<br>supporting value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.99%; guidelines allow 97%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.20% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $26,387.74/6.93 PITIA which is > guideline minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 2.32%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is 169 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>documentation<br>in file to<br>support the B1<br>other monthly<br>income of<br>$1,821.15 to<br>complete the<br>ATR?QM<br>review. | 6/3/2026:<br>Received lender<br>income calcs<br>showing<br>$7,891.27/month<br>for B1 and<br>"Other" Income<br>could not be<br>verified.<br>However, the<br>$1,891. Other<br>Income is on the<br>Final 1003 and<br>included on<br>AUS, yielding<br>47.48% DTI. The<br>annual salary is<br>$73,086 =<br>$6,090.50/month.<br>The DTI is now<br>57.22%.6/8/2026:<br>Lender<br>LOX—the<br>additional<br>income is XXX<br>noted on paystub.<br>After further<br>review, Clayton<br>verified it is a<br>25% additional<br>mandatory<br>increase for<br>XXX. DTI is<br>now 47.39%. | 6/3/2026:<br>Exception<br>remains.6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero tolerance<br>Appraisal fee<br>increased at<br>closing from CD<br>XXX to CD<br>XXX by $25.00<br>without a valid<br>reason or timely<br>disclosed; refund<br>required within<br>60 days of<br>consummation. | 05.27.2026—Cure<br>provided | 05.27.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | DTI | Satisfied C A | XXX | Debt Ratio ><br>50% | No | 6/3/2026:<br>Exception added<br>after review of<br>trailing docs:<br>Lender provided<br>Income calcs<br>showing<br>$7,891.27/month<br>for B1 and<br>"Other" Income<br>could not be<br>verified.<br>However, the<br>$1,891. Other<br>Income is on the<br>Final 1003 and<br>included on<br>AUS, yielding<br>47.48% DTI. The<br>annual salary is<br>$73,086 =<br>$6,090.50/month.<br>The DTI is now<br>57.22%. | 6/8/2026: Lender<br>LOX—the<br>additional income<br>is XXX noted on<br>paystub. After<br>further review,<br>Clayton verified it<br>is a 25%<br>additional<br>mandatory<br>increase for XXX.<br>DTI is now<br>47.39%. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Income/<br>Employment | Satisfied C A | XXX | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing<br>documentation in<br>file to support the<br>B1 other monthly<br>income of<br>$1,821.15. | 6/3/2026:<br>Received lender<br>income calcs<br>showing<br>$7,891.27/month<br>for B1 and<br>"Other" Income<br>could not be<br>verified.<br>However, the<br>$1,891. Other<br>Income is on the<br>Final 1003 and<br>included on AUS,<br>yielding 47.48%<br>DTI. The annual<br>salary is $73,086<br>=<br>$6,090.50/month.<br>The DTI is now<br>57.22%.6/8/2026:<br>Lender LOX—the<br>additional income<br>is XXX noted on<br>paystub. After<br>further review,<br>Clayton verified it<br>is a 25%<br>additional<br>mandatory<br>increase for XXX.<br>DTI is now<br>47.39%. | 6/3/2026:<br>Exception<br>remains.6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.62%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 805 is 185 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $489,922.25/82.40 PITIA which is > guideline minimum.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 222 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 9.49%. |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.75% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.07% |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan subject<br>to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is<br>missing documents<br>to complete the<br>ATR/QM review and<br>render an accurate<br>ATR/QM status. | No | Missing<br>paystub for<br>borrower 1<br>from XXX<br>XXX XXX<br>XXX XXX. | 6/4/2026:<br>Received<br>2/2026,1/2026<br>paystubs. No<br>change to<br>income total. | 6/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 21 months rent payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Right of<br>Rescission | Active C | XXX | ROR—Disbursement<br>date is before end of<br>statutory rescission<br>period | Yes | Final CD<br>XXX-<br>disbursement<br>date on<br>XXX , ROR<br>form in file<br>signed on<br>XXX with<br>end of<br>recession on<br>XXX ,<br>condition<br>pending<br>receiving<br>Post CD<br>with updated<br>disbursement<br>date, LOX<br>and proof of<br>delivery to<br>borrower | 06.09.2026 -<br>Final ALTA<br>provided with<br>DD of XXX<br>received<br>please provide<br>corrected<br>PCCD with<br>corrected<br>Disbursement<br>date as well. | 06.09.2026<br>-Exception<br>remains (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 21 months rent payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | Income/<br>Employment | Satisfied D A | XXX | Income<br>verification<br>does not<br>meet<br>guidelines | No | Missing<br>paystub<br>for<br>borrower<br>1 from<br>XXX<br>XXX<br>XXX. | 6/4/2026:<br>Received<br>2/2026,1/2026<br>paystubs. No<br>change to<br>income total. | 6/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 21 months rent payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 21 months rent payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 14 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $86,917.51—38.5 months of P&I $2246.45. Required. $13,478.72 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1228,822.90 / 52.54 months PITIA > min required of 0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1228,822.90 / 52.54 months PITIA > min required of 0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 exceeds minimum guideline requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value of 78.955 is less than guideline maximum requirement |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 exceeds minimum guideline requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value of 78.955 is less than guideline maximum requirement |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton to<br>order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .81%. |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job -12 years +<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have only 8% credit usage.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 38% LTV below guideline requirements 80%LTV |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #180 months, Credit ratio 10%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $11,488.61. DU is not requiring validation of assets. Documents in file. Required Reserves are $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 776 / 768 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | XXX | Missing<br>legal docs<br>for senior<br>or<br>subordinate<br>loan | No | Missing<br>documentation<br>to evidence<br>the junior lien<br>is paid down<br>or off prior to<br>closing per<br>LP. HELOC<br>payment was<br>omitted from<br>the DTI and is<br>being<br>subordinated. | 6/9/2026:<br>Received<br>updated<br>1008, 1003<br>and LP #11<br>showing<br>XXX XXX<br>HELOC is<br>being<br>subordinated.<br>Subordination<br>Agreement is<br>in original<br>PDF page<br>920. | 6/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 92.55 months PITIA vs 0 months reserves required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 12.45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 786 is 166 points above the 620 required. |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Terms/<br>Guidelines | Satisfied D A | XXX | Missing<br>AUS or<br>AUS errors<br>present | No | Lender<br>verified<br>32.20% DTI.<br>Clayton<br>verified<br>37.75%<br>exceeding 3%<br>tolerance due<br>to 2nd lien<br>showing $621<br>payment not<br>included in<br>PITI. Provide<br>updated AUS<br>remaining<br>Accept/<br>Eligible with<br>higher DTI<br>within<br>tolerance. | 6/15/2026:<br>Received<br>updated AUS<br>with 38%<br>DTI. | 6/15/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.64%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing updated<br>valuation | No | LCA score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.64%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to Ability<br>to Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM review<br>and render an<br>accurate ATR/<br>QM status. | No | Not eligible<br>for rep and<br>warrant<br>reflief for<br>b1. Unable<br>to locate ytd<br>paystub or<br>wvoe to<br>substantiate<br>income used<br>to qualify. | 6/3/2026:<br>Received<br>2025/2024 W2s<br>for both<br>borrowers. Still<br>need YTD<br>paystub or<br>WVOE for<br>B1.6/7/2026:<br>Received 2025<br>and YTD<br>paystub for B1.<br>Verified<br>$8,823.32/month<br>base income. | 6/3/2026:<br>Exception<br>remains.6/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit report reflects only a few items with monthly payments. |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | XXX | RESPA—Cannot<br>determine if List<br>of Homeowners<br>Counseling<br>Organizations is<br>compliant | No | The<br>Homeowners<br>Counseling<br>Disc was<br>delivered<br>and<br>reviewed by<br>the<br>borrowers on<br>XXX,<br>however, I<br>could not<br>find the<br>document in<br>the file. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit report reflects only a few items with monthly payments. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | XXX | Missing Required<br>Income<br>Documentation | No | Not eligible<br>for rep and<br>warrant<br>reflief for<br>b1. Unable<br>to locate ytd<br>paystub or<br>wvoe to<br>substantiate<br>income used<br>to qualify. | 6/3/2026:<br>Received<br>2025/2024 W2s<br>for both<br>borrowers. Still<br>need YTD<br>paystub or<br>WVOE for<br>B1.6/7/2026:<br>Received 2025<br>and YTD<br>paystub for B1.<br>Verified<br>$8,823.32/month<br>base income. | 6/3/2026:<br>Exception<br>remains.6/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit report reflects only a few items with monthly payments. |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing updated<br>valuation | No | LCA/CU<br>score >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit report reflects only a few items with monthly payments. |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Right of<br>Rescission | Active B | XXX | ROR—Expiration<br>date on form<br>prior to end of<br>rescission period | No | ROR in file<br>is signed on<br>XXX with<br>an expiration<br>date of XXX<br>. Final CD in<br>file reflects a<br>disbursement<br>date of<br>XXX.<br>Expiration<br>date on form<br>prior to end<br>of rescission<br>period | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.43% is below guideline maximum 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU<br>Score<br>3.6.<br>Clayton<br>to order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.43% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 765 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.45% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.10% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $42,090.22 month > reserve requirement $0. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Credit report does not reflect any derogatory items, late payments etc within the last 2 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit reflects conservative use of credit.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job greater than 10 years. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 25 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 754 Fico score. Min required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 78.82% LTV/CLTV. LTV/CLTV required 95%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 29+ years at same employer. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 25 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 754 Fico score. Min required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 78.82% LTV/CLTV. LTV/CLTV required 95%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 29+ years at same employer. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Satisfied C A | XXX | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual<br>& Public) | No | FEMA<br>Declaration

#XXX<br>date XXX,<br>XXX, and<br>AUS<br>approval<br>XXX.<br>Clayton to<br>order PDI<br>report. | 5/29/2026:<br>Received<br>BPO with<br>subject<br>photos.<br>No<br>damage. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 25 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 754 Fico score. Min required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 78.82% LTV/CLTV. LTV/CLTV required 95%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 29+ years at same employer. |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .81%. |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .81%. |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Finance<br>Charge<br>Tolerance | Satisfied B | XXX | Finance<br>charge<br>understated<br>by more<br>than $100<br>(Pmt<br>Stream) | No | Finance<br>charge<br>understated<br>by $1772.36<br>Unable to<br>identify the<br>cause.<br>Corrected<br>on PCCD<br>Exception<br>SATISFIED (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 6 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Finance<br>Charge<br>Tolerance | Satisfied B | XXX | TILA/<br>TRID-<br>Disclosed<br>Amount<br>Financed is<br>higher than<br>Clayton's<br>calculated<br>Amount<br>Financed | No | Amount<br>Financed<br>understated<br>by<br>$1767.36.<br>Unable to<br>identify the<br>cause.<br>Corrected<br>on PCCD ,<br>Exception<br>Satisfied (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 6 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | XXX | TRID—CD:<br>The Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of<br>the Final<br>Closing<br>Disclosure<br>is less than<br>the Clayton<br>Calculated<br>Total<br>Payment<br>Amount | No | Total<br>Payment<br>Amount<br>understated<br>by<br>$1772.36.<br>Unable to<br>identify the<br>cause.<br>Corrected<br>on PCCD<br>Exception<br>satisfied (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 6 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/3/2026: Received<br>BPO supporting value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 6 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026: Received<br>BPO supporting value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 6 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—At<br>least one<br>LE was<br>delivered<br>on or after<br>the date<br>that a CD<br>was<br>delivered | No | There are<br>LEs<br>dated<br>XXX,<br>XXX,<br>XXX and<br>XXX.<br>The<br>Initial<br>CD is<br>dated<br>XXX<br>before<br>the LEs. | 06.10.2026—Evidence<br>CD was only issued by<br>title as a draft not to<br>borrower provided. | 06.10.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 18 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Income/<br>Employment | Satisfied D A | XXX | Income<br>verification<br>does not<br>meet<br>guidelines | No | Provide<br>either 12<br>month<br>W2 or<br>Written<br>VOE<br>(1005)<br>for B1 | 6/4/2026:<br>Received<br>2025 W2. | 6/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 18 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with<br>PIW,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 18 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW,<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 18 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | File is<br>missing<br>evidence of<br>insurance for<br>property<br>located at<br>XXX XXX<br>XXX XXX<br>XXX, CO.<br>(Final 1003<br>includes<br>$1,055.12 in<br>monthly<br>expenses that<br>are not<br>documented).<br>(Clayton<br>verified no<br>HOA and<br>taxes of<br>$434.54/mo). | 6/23/2026:<br>Received mtg<br>stmnt, HOI and<br>taxes for REO.<br>Mtg $4,647.34<br>P&I,<br>$592.42/mo<br>HOI. | 6/23/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.82% DTI < program maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 fico score > program minimum of 620. |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | XXX | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject PITI | No | File is<br>missing<br>evidence of<br>insurance for<br>property<br>located at<br>XXX XXX<br>XXX, XXX<br>XXX, CO.<br>(Final 1003<br>includes<br>$1,055.12 in<br>monthly<br>expenses that<br>are not<br>documented).<br>(Clayton<br>verified no<br>HOA and<br>taxes of<br>$434.54/mo). | 6/23/2026:<br>Received mtg<br>stmnt, HOI and<br>taxes for REO.<br>Mtg $4,647.34<br>P&I,<br>$592.42/mo<br>HOI. | 6/23/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.82% DTI < program maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 fico score > program minimum of 620. |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide<br>business tax<br>returns for<br>B2. If<br>verified<br>owned >5<br>years, most<br>recent year<br>required<br>only, all<br>pages and<br>schedules. | 6/8/2026:<br>Received 2024<br>1120-S, in XXX<br>5 years. Verified<br>$5,525.25/month<br>net. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 15 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job—over 15 years |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—CD:<br>Zero tolerance<br>fee or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or the<br>revised LE/CD<br>was not timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | The Zero<br>tolerance<br>fee labeled<br>Title<br>Service fee<br>increased<br>$39.77<br>from the<br>Closing<br>Disclosure<br>dated XXX<br>to the<br>Closing<br>Disclosure<br>dated XXX<br>prior to<br>closing<br>without a<br>valid<br>reason;<br>insufficient<br>credit or<br>refund<br>provided. | 06.24.2026 -<br>Cure provided | 06.24.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 15 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job—over 15 years |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied C A | XXX | Verbal<br>verification of<br>employment<br>missing | No | Missing<br>verification<br>of XXX<br>XXX<br>business<br>for co-<br>borrower<br>within 30<br>days of<br>closing. | 6/8/2026:<br>received<br>VVOE—no date<br>and expires<br>XXX. Loan<br>closed<br>XXX6/9/2026:<br>Received<br>updated XXX<br>verification with<br>expiration<br>2/28/2027. | 6/8/2026:<br>Exception<br>remains.6/9/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 15 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job—over 15 years |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Income/<br>Employment | Satisfied D A | XXX | Missing<br>Required<br>Income<br>Documentation | No | Provide<br>business<br>tax returns<br>for B2. If<br>verified<br>owned >5<br>years, most<br>recent year<br>required<br>only, all<br>pages and<br>schedules. | 6/8/2026:<br>Received 2024<br>1120-S, in<br>business 5 years.<br>Verified<br>$5,525.25/month<br>net. | 6/8/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 15 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job—over 15 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | 6/3/2026: Received<br>2023 K1, showing<br><25% XXX. The<br>Income calcs worksheet<br>shows income for 2024.<br>Provide the 2024 K1.<br>2023 K1 $959,674 Box<br>1 + $64,933 Box 4a /12<br>=<br>$85,383.92/month.There<br>are checks to borrower<br>from business in 2025:<br>$80,012.87 12/31/2025,<br>$500K 12/8/2025 =<br>$580,012.87 /12 =<br>$48,334.41/month net.<br>Lender to verify income<br>is steady and increasing<br>as docs provided show a<br>decline. | 6/7/2026: Received<br>2024 K1. YTD income<br>for 2025 is lower.<br>Clayton used lower<br>yield. DTI is now<br>31.21%. | 6/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a qualifying credit score of 791.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower has a low DTI ratio of 16.82%. |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | XXX | Income<br>verification<br>does not<br>meet<br>guidelines | No | File is missing prior 2<br>years most recent signed<br>personal tax returns with<br>all schedules and<br>attachments and prior 2<br>years K1 statement<br>supporting income that<br>was used to qualify. | 6/3/2026: Received<br>2023 K1, showing<br><25% XXX. The<br>Income calcs worksheet<br>shows income for 2024.<br>Provide the 2024 K1.<br>2023 K1 $959,674 Box<br>1 + $64,933 Box 4a /12<br>=<br>$85,383.92/month.There<br>are checks to borrower<br>from business in 2025:<br>$80,012.87 12/31/2025,<br>$500K 12/8/2025 =<br>$580,012.87 /12 =<br>$48,334.41/month net.<br>Lender to verify income<br>is steady and increasing<br>as docs provided show a<br>decline.6/7/2026:<br>Received 2024 K1.<br>YTD income for 2025 is<br>lower. Clayton used<br>lower yield. DTI is now<br>31.21%. | 6/3/2026:<br>Exception<br>remains.6/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a qualifying credit score of 791.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower has a low DTI ratio of 16.82%. |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Legal<br>Documents | Satisfied D A | XXX | Missing<br>subordination<br>agreement<br>for existing<br>junior lien | No | File is missing a copy of<br>the subordination<br>agreement for the<br>existing 2nd mortgage. | 6/18/2026: Received<br>Title Co notification that<br>approval has been given<br>by TX office to renew<br>and extend "around" the<br>2nd mortgage. No<br>subordination agreement<br>is required or needed.<br>XXX remains in first<br>lien position. | 6/18/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a qualifying credit score of 791.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower has a low DTI ratio of 16.82%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a qualifying credit score of 791.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower has a low DTI ratio of 16.82%. |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 777 is 157 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.76% is below the guideline maximum of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 185 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.24%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide<br>documentation<br>for monthly<br>payment of<br>$2,034/month<br>for Small<br>Business Loan | 6/2/2026:<br>Received<br>CD<br>showing<br>$2,034<br>payment. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 171 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.86%; guidelines allow 97%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active B | XXX | TRID—At<br>least 1 CD<br>prior to the<br>last CD at or<br>prior to<br>closing was<br>not provided<br>to all with<br>rescission<br>rights. | No | Missing initial<br>CD XXX<br>issued and<br>acknowledged<br>by non-<br>borrowing<br>titleholder. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 171 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.86%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Terms/<br>Guidelines | Satisfied C A | XXX | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | Provide<br>documentation<br>for monthly<br>payment of<br>$2,034/month<br>for Small<br>Business Loan | 6/2/2026:<br>Received<br>CD<br>showing<br>$2,034<br>payment. | 6/2/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 171 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.86%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review<br>supporting<br>appraisal<br>value | 6/2/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 171 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.86%; guidelines allow 97%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Active D | XXX | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | Yes | Provide an<br>updated<br>homeowners<br>insurance<br>policy<br>reflecting the<br>lender's<br>mortgage<br>clause. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 738 is 118 points above minimum program requirement of 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 422 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.56% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | Zero<br>Tolerance Fee<br>of $5664.72<br>due to discount<br>POINTS;<br>increasing<br>from initial LE<br>to final CD.<br>Please provide<br>a valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower,<br>proof of<br>delivery within<br>60 days of<br>consummation. | 05.29.2026<br>-COC<br>provided | 05.29.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 49.72%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 49.72%; guidelines allow 80%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | ID | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 49.72%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | ID | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | FEMA | Waived B | XXX | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>date XXX<br>and AUS<br>approval<br>XXX. PDI<br>to be<br>ordered by<br>Clayton | 5/18/2026:<br>Client<br>acknowledges<br>Level 2<br>FEMA<br>exception,<br>Public only. | 5/18/2026:<br>Exception<br>waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 49.72%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | PA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | We are<br>missing the<br>most recent<br>tax bill or<br>statement<br>to verify<br>the total<br>PITIA<br>payment<br>for the<br>Non-<br>subject<br>property<br>located at<br>XXX XXX<br>XXX<br>XXX.<br>XXX , CA<br>XXX. | 6/8/2026:<br>Received Tax<br>info. File has<br>P&I and HOI.<br>Clayton<br>verified no<br>HOA on<br>redfin.com. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $248,909.70 / 41.55 months PITI > min required of $0.00.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 75 months of current mortgage payment history 0x30.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly PITI on the subject property decreased from $6621 to $5990.43 an approximate monthly savings of $630.57 or $7,566.84/annually |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | PA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of XXX. | 06.09.2026—disclosure<br>tracking provided | 06.09.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $248,909.70 / 41.55 months PITI > min required of $0.00.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 75 months of current mortgage payment history 0x30.<br> CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly PITI on the subject property decreased from $6621 to $5990.43 an approximate monthly savings of $630.57 or $7,566.84/annually |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | PA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | XXX | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | We are<br>missing the<br>most recent<br>tax bill or<br>statement to<br>verify the total<br>PITIA<br>payment for<br>the Non-<br>subject<br>property<br>located at<br>XXX XXX<br>XXX XXX<br>XXX CA<br>XXX. | 6/8/2026: Received<br>Tax info. File has P&I<br>and HOI. Clayton<br>verified no HOA on<br>redfin.com. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $248,909.70 / 41.55 months PITI > min required of $0.00.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 75 months of current mortgage payment history 0x30.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly PITI on the subject property decreased from $6621 to $5990.43 an approximate monthly savings of $630.57 or $7,566.84/annually |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | KS | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero tolerance<br>in the amount<br>of $100.00<br>due to<br>Appraisal Fee<br>increase on<br>LE XXX<br>without a<br>valid COC in<br>file. Condition<br>pending<br>receipt of a<br>valid Change<br>of<br>Circumstances<br>or Post CD<br>reflecting<br>lenders cure,<br>LOX, a copy<br>of refund and<br>proof of<br>delivery<br>including<br>shipping<br>details and<br>tracking<br>information. | 6/3/26—Lender<br>provided COC showing<br>increase in Appraisal<br>fee. | 6/3/26—Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 16.63% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50.42%; guidelines allow 80%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | We are<br>missing the<br>required<br>mold<br>inspection<br>for the<br>subject<br>property.<br>The<br>appraisal<br>value is<br>subject to<br>satisfactory<br>mold<br>inspection. | 5/26/2026:<br>Received Mold<br>Inspection—no<br>damage. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 16.63% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50.42%; guidelines allow 80%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score<br>is<br>unavailable<br>or >2.5.<br>Clayton to<br>order desk<br>review. | 6/2/2026:<br>Received CDA<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 16.63% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50.42%; guidelines allow 80%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score<br>is >2.5,<br>Clayton to<br>order desk<br>review | 6/3/2026:<br>Received<br>CDA. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at primary (subject) residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Value | Satisfied C A B | XXX | Property Value<br>Not Supported | No | 6/3/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Received<br>CDA not<br>supporting<br>value.<br>Clayton to<br>order Field<br>Review. | 6/11/2026:<br>Received Field<br>review supporting<br>value. | 6/11/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at primary (subject) residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | Texas<br>Home<br>Equity | Satisfied D B | XXX | TX<br>Equity—Missing<br>Affidavit of Fair<br>Market Value | No | Missing<br>affidavit of<br>fair market<br>value when<br>loan is a<br>Texas Equity<br>refi. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.89% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.57%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 103 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | XXX | TRID—CD: Ten<br>percent tolerance<br>fee or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely disclosed;<br>refund required<br>within 60 days<br>of<br>consummation. | Yes | Need<br>evidence of<br>change of<br>circumstances<br>letter for Ten<br>Percent<br>tolerance,<br>Title-<br>Lender's<br>Insurance<br>Fee, Title<br>Endorsement<br>Fee, Tax<br>Cert,<br>Recording<br>fee, Title<br>Deed Prep<br>Fee increase,<br>or a copy of a<br>refund check<br>in the amount<br>of $3,214.90. | 06.09.2026—Client<br>disagrees with<br>findings however<br>Clayton findings<br>still stand. Missing<br>CIC for fees added<br>on Final CD<br>without a CIC. LE<br>only disclosed<br>Closing, Doc prep<br>and Title search<br>fee. No COC<br>provided for<br>Lender title<br>insurance, tax cert<br>fees, endorsement<br>fees and increase in<br>Mortgage<br>recording fees. | 06.09.2026<br>-Exception<br>remains | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.89% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.57%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 103 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Credit | Income/<br>Employment | Satisfied A | XXX | Income<br>Documentation<br>Missing | No | Provide<br>2025 W2. | 6/4/2026:<br>Received 2025<br>W2, updated<br>income to<br>lower yield of<br>$15,667.06/mo.<br>DTI is within<br>tolerance. | 6/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.68%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.72% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 739. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 39.37%. |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved.<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 39.37%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | WV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO | 6/8/2026:<br>Received<br>Report<br>2055<br>Exterior-<br>only<br>supporting<br>value. | 6/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.71% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8+ years at present job |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | WV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 6/8/2026:<br>Received<br>Report<br>2055<br>Exterior-<br>only<br>supporting<br>value. | 6/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.71% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8+ years at present job |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Legal<br>Documents | Active D | XXX | Missing<br>Rider | Yes | Per Title and<br>verified on<br>Realtor.com,<br>subject is in<br>XXX XXX<br>XXX with<br>$300 annual<br>dues.<br>Provide<br>PUD Rider<br>with<br>corrected<br>Mortgage as<br>PUD Rider<br>box is not<br>checked.<br>Must also<br>verify new<br>Mortgage<br>has been<br>sent for re-<br>recordation. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #260 months, Credit ratio 15%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 776 / 805 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #260 months, Credit ratio 15%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 776 / 805 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #260 months, Credit ratio 15%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 776 / 805 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves in the amt. of $3,821.46. Reserves required are $0.00<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job- 19 years + |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Clayton ATR/<br>QM status<br>pending for:<br>missing<br>income<br>documentation<br>to support all<br>income used<br>to qualify. | 6/3/2026: 2024<br>1120-S XXX<br>LLC 12/9/2015.<br>Each borrower is<br>50%<br>XXX.$168,418<br>net + $120K W2<br>total /12 =<br>$24,034.83/month<br>net X 50% =<br>$12,017.41/mo<br>B1,<br>$12,017.42/mo<br>B2. Leaving at<br>lender lower<br>verified yield. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 25%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.50%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | XXX | Missing<br>Required<br>Income<br>Documentation | No | Borrowers are<br>XXX XXX<br>with the same<br>XXX ,<br>missing 1 year<br>business tax<br>returns for<br>XXX and<br>XXX. | 6/3/2026: 2024<br>1120-S XXX<br>LLC 12/9/2015.<br>Each borrower is<br>50%<br>XXX$168,418<br>net + $120K W2<br>total /12 =<br>$24,034.83/month<br>net X 50% =<br>$12,017.41/mo<br>B1,<br>$12,017.42/mo<br>B2. Leaving at<br>lender lower<br>verified yield. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 25%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.50%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 25%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.50%; guidelines allow 80%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score 4<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no mortgage late pays in the last 2 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No late mortgage payments in last 49 months. |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Insurance | Satisfied C A | XXX | Insufficient<br>Hazard<br>Insurance<br>Coverage | No | Homeowners<br>insurance<br>policy total<br>dwelling<br>coverage of<br>$XXX is<br>insufficient.<br>Min.<br>required<br>coverage is<br>$XXX.<br>Policy does<br>not reflect<br>extended<br>dwelling. | 5/26/2026:<br>Received<br>verification<br>of<br>replacement<br>cost<br>coverage. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 125 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 8.33%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.01%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 125 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 8.33%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.01%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved.<br>PIW. Clayton<br>to order BPO. | 5/29/2026:<br>Received<br>BPO. | 5/29/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 125 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 8.33%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.01%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Value | Satisfied C A B | XXX | Property<br>Value Not<br>Supported | No | 5/29/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level review. | 6/3/2026:<br>Received<br>Report<br>2055<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 125 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 8.33%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.01%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Federal<br>Consumer<br>Protection | Active C | XXX | NMLS<br>License<br>verification<br>found<br>Loan<br>Originator<br>Name does<br>not match<br>ID | Yes | The 1003,<br>Mortgage and<br>Note reflect<br>the Individual<br>Loan<br>originator as<br>XXX XXX<br>NMLSR ID<br>XXX<br>however, per<br>the NMLS<br>Consumer<br>access<br>website<br>NMLSR ID<br>XXX is in the<br>name of XXX<br>XXX XXX.<br>Both are<br>under XXX<br>XXX.\*NMLS<br>site shows

#XXX<br>NMLS ID for<br>XXX XXX. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has fully documented commissions income not being used to qualify.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 328 months. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | Legal<br>Documents | Satisfied D A | XXX | Missing<br>proof that<br>HELOC<br>has been<br>paid and<br>closed to<br>future<br>draws | No | Missing<br>proof XXX<br>XXX XXX<br>acct. #XXX<br>has been<br>closed.<br>Payoff shows<br>requirement<br>for borrower<br>to<br>Acknowledge<br>and sign for<br>HELOC to<br>be closed to<br>future draws.<br>Or provide<br>Wire Receipt<br>to show<br>HELOC PIF. | 6/3/2026:<br>Received<br>fully<br>executed<br>Full<br>Release<br>Affidavit,<br>recorded<br>XXX | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has fully documented commissions income not being used to qualify.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 328 months. |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has fully documented commissions income not being used to qualify.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 328 months. |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.77% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.33%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.97%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.77% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.33%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.97%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years and 9 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @17.09%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 credit history for over 99 months, no deorgs, no public records. |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 775 FICO score. Minimum required 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 775 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>tolerance in<br>the amount<br>of $190.00<br>due to 442<br>Re-<br>Inspection<br>fee was<br>added to<br>LE XXX<br>without a<br>valid COC<br>in file. A<br>Lender<br>Credit for<br>$190.00 is<br>on Final<br>CD XXX-<br>2;<br>however, it<br>is not<br>disclosed<br>as a<br>tolerance<br>cure.<br>Condition<br>pending<br>receipt of a<br>valid COC<br>or Post CD<br>reflecting<br>lenders<br>cure, LOX,<br>a copy of<br>refund and<br>proof of<br>delivery<br>via<br>shipping<br>that<br>includes<br>tracking<br>information | 05.29.2026<br>-Cure<br>provided | 05.29.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.89% DTI below guideline requirement of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.02% LTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 Median FICO >155 points above guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.69%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.69%. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Waived B | XXX | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Declaration

#XXX XXX<br>XXX. Latest<br>AUS run<br>XXX. PDI to<br>be ordered<br>by Clayton. | 5/18/2026:<br>Client<br>acknowledges<br>Level 2<br>exception,<br>public only. | 5/18/2026:<br>Exception<br>waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.69%. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | 1. Missing<br>evidence of<br>Homeowners<br>insurance<br>and<br>homeowners<br>association<br>fees (if<br>applicable)<br>expenses to<br>support<br>PITI(A)<br>expense on<br>XXX<br>property. 2.<br>Missing<br>Written<br>VOE's used<br>by DU to<br>validated<br>both B1 and<br>B2 earnings<br>as note in<br>DU Alert 17.<br>Neither<br>reports were<br>located in<br>file. | 6/8/2026:<br>Received HOI<br>and<br>verification no<br>HOA for XXX<br>REO.6/8/2026:<br>Received<br>WVOEs for<br>both borrowers<br>as noted in DU<br>findings. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Assets | Satisfied C A | XXX | Insufficient<br>Funds to<br>Close | No | Missing one<br>month<br>current asset<br>statement to<br>support<br>sufficient<br>funds to<br>close of<br>$506.17.<br>Funds<br>required to<br>close<br>$511.17 less<br>$5.00<br>verified in<br>file leaves<br>loan short<br>funds to<br>close of<br>$506.17.<br>Any large<br>deposits<br>must be<br>explained<br>and<br>documented. | 6/18/2026:<br>Received<br>assets to<br>cover<br>$511.17<br>closing<br>costs. | 6/18/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | XXX | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>evidence of<br>Homeowners<br>insurance<br>and<br>homeowners<br>association<br>fees (if<br>applicable)<br>expenses to<br>support<br>PITI(A)<br>expense on<br>XXX<br>property. | 6/8/2026:<br>Received<br>HOI and<br>verification<br>no HOA. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Income/<br>Employment | Satisfied D A | XXX | Income<br>verification<br>does not<br>meet<br>guidelines | No | Missing<br>Written<br>VOE's used<br>by DU to<br>validated<br>both B1 and<br>B2 earnings<br>as note in<br>DU Alert 17.<br>Neither<br>reports were<br>located in<br>file. | 6/8/2026:<br>Received<br>WVOEs<br>for both<br>borrowers<br>as noted in<br>DU<br>findings. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Potential<br>Misrepresentation | Satisfied C A | XXX | Potential<br>misrepresentation<br>of occupancy | No | Missing<br>satisfactory<br>documentation<br>to support<br>subject<br>property is<br>owner<br>occupied as<br>presented.<br>Documentation<br>supports<br>subject<br>purchased<br>XXX however<br>multiple<br>documents in<br>file reflect the<br>borrowers<br>address as the<br>XXX property<br>disclosed as<br>second home:<br>B2 2/13/2026<br>pay stub, XXX<br>XXX asset<br>statement,<br>Alert for B2<br>occupancy on<br>XXX XXX<br>report. B1 pay<br>stub reflects<br>previous<br>address on<br>1003. | 6/8/2026:<br>Received<br>XXX<br>showing<br>occupancy<br>since<br>3/3/2026. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Finance<br>Charge<br>Tolerance | Active C | XXX | Finance<br>charge<br>understated<br>by more<br>than $100<br>(Pmt<br>Stream) | Yes | CD dated<br>XXX<br>Total of<br>Payments<br>amount is<br>correct<br>$XXX.<br>PCCD<br>dated<br>XXX<br>Total of<br>Payments<br>amount<br>has<br>changed to<br>XXX.<br>Difference<br>of<br>$1,047.08.<br>Unable to<br>verify if<br>the<br>borrower<br>did in fact<br>pay the<br>higher<br>amount so<br>they are<br>due that<br>difference (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 796 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Finance<br>Charge<br>Tolerance | Active C | XXX | TILA/<br>TRID-<br>Disclosed<br>Amount<br>Financed is<br>higher than<br>Clayton's<br>calculated<br>Amount<br>Financed | Yes | CD<br>XXXX<br>TOP was<br>$XXX and<br>Clayton<br>calculation<br>is $XXX.<br>Difference<br>of<br>$1,047.08.<br>Unable to<br>verify if<br>the<br>borrower<br>did in fact<br>pay the<br>higher<br>amount so<br>they are<br>due that<br>difference (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 796 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | XXX | TRID—CD:<br>The Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of<br>the Final<br>Closing<br>Disclosure<br>is less than<br>the Clayton<br>Calculated<br>Total<br>Payment<br>Amount | Yes | CD dated<br>XXX<br>Total of<br>Payments<br>amount is<br>correct<br>$XXX.<br>PCCD<br>dated<br>XXX<br>Total of<br>Payments<br>amount<br>has<br>changed to<br>XXX.<br>Difference<br>of $XXX.<br>Unable to<br>verify if<br>the<br>borrower<br>did in fact<br>pay the<br>higher<br>amount so<br>they are<br>due that<br>difference (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 796 median FICO. Min required 620. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 17.48% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.91%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $137,780.97, OR 36.05 months in PITIA reserves > required $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 17.48% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.91%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $137,780.97, OR 36.05 months in PITIA reserves > required $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 9 years +<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30% DTI below guideline requirement 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.22%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.22%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Value | Satisfied C A B | XXX | Property<br>Value Not<br>Supported | No | 6/3/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review,<br>Exterior<br>2055<br>Report. | 6/9/2026:<br>Received<br>Report<br>2055 Ext-<br>only<br>supporting<br>value. | 6/9/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.22%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | We Are<br>missing<br>personal and<br>business tax<br>returns from<br>the most<br>recent 2<br>years to<br>support the<br>qualifying<br>XXX<br>employment<br>income and<br>rental<br>income used<br>by the lender<br>for<br>qualification.<br>XXX<br>employment<br>businesses<br>include<br>XXX XXX<br>and XXX<br>XXX. | 6/8/2026:<br>Received<br>2024/2023<br>business and<br>personal returns.<br>Verified total<br>income<br>$18,123.42/month.<br>DTI is 39%,<br>within tolerance of<br>lender. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 22.22%; guidelines allow 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | XXX | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | We are<br>missing the<br>homeowners<br>insurance<br>policies for<br>the non-<br>subject<br>properties<br>located at<br>XXX XXX<br>XXX and<br>XXX XXX<br>XXX | 5/26/2026:<br>Received HOI for<br>both REOs. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 22.22%; guidelines allow 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Income/<br>Employment | Satisfied C A | XXX | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | We Are<br>missing<br>personal and<br>business tax<br>returns from<br>the most<br>recent 2<br>years to<br>support the<br>qualifying<br>XXX<br>employment<br>income and<br>rental<br>income used<br>by the lender<br>for<br>qualification.<br>XXX<br>employment<br>XXX<br>include<br>XXX XXX<br>and XXX<br>XXX. | 6/8/2026:<br>Received<br>2024/2023<br>business and<br>personal returns.<br>Verified total<br>income<br>$18,123.42/month.<br>DTI is 39%,<br>within tolerance of<br>lender. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 22.22%; guidelines allow 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 22.22%; guidelines allow 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Satisfied B | XXX | Cannot<br>determine if<br>funding date is<br>after rescission<br>period | No | Missing<br>ROR form<br>unable to<br>determine<br>if funding<br>date is<br>after<br>rescission<br>period. | 06.23.2026-<br>ROR<br>received | 06.23.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 755 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Right of<br>Rescission | Satisfied D A | XXX | ROR—Missing<br>or Incomplete<br>Right of<br>Rescission<br>form | No | Missing<br>Right of<br>Rescission<br>form | 06.23.2026-<br>ROR<br>received | 06.23.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 755 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Zero<br>tolerance<br>fee or fees<br>increased at<br>or prior to<br>closing<br>without a<br>valid reason<br>or the<br>revised LE/<br>CD was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero percent<br>tolerance of<br>$1096.38 due<br>to Discount<br>(917.30) point<br>fees and<br>Settlement<br>fees(125.00)<br>increased with<br>invalid reason<br>in file. Provide<br>COC PCCD<br>with cure,<br>copy of cure<br>check, LOE to<br>Borrower and<br>evidence of<br>delivery via<br>method<br>including<br>tracking<br>information<br>within 60 days<br>of<br>consummation. | 06.10.2026—COC<br>provided | 06.10.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 755 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID: CD:<br>The amount<br>of<br>Estimated<br>Escrow in<br>the<br>Projected<br>Payments<br>section is<br>inaccurate | No | Missing<br>Escrow<br>statement | 06.23.2026—Escrow<br>statement received | 06.23.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 755 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026: Received<br>BPO supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 755 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 755 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;656 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 712 exceeds guideline of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 44% is below guideline of 45% or AUS requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 69.15 is below guideline requirement of 90% |
| &nbsp;&nbsp;&nbsp;656 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 712 exceeds guideline of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 44% is below guideline of 45% or AUS requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 69.15 is below guideline requirement of 90% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: B1 received $102,678.48 at closing.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have84 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 734. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: B1 received $102,678.48 at closing.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have84 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 734. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 20.65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $220,622.96 or 49.05 months PITI reserves, DU required $0.00 in reserves to be verified. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 20.65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $220,622.96 or 49.05 months PITI reserves, DU required $0.00 in reserves to be verified. |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 101 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.43%; guidelines allow 80%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 131 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-borrower has maintained current profession for 480 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 184 months. |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | We are<br>missing the<br>required<br>most recent<br>business tax<br>return<br>(1120) used<br>to calculate<br>XXX<br>employment<br>income<br>received for<br>both<br>borrowers<br>from XXX<br>XXX XXX,<br>XXX | 5/26/2026:<br>Received<br>2024 1120-S.<br>Each<br>borrower is<br>50% owner.<br>Verified<br>$5,562.46/mo<br>net for each<br>borrower. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66%; guidelines allow 80%+.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 229+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Texas Home<br>Equity | Active B | XXX | Voluntary Same-<br>Lender Debt<br>disclosure not<br>provided to<br>borrower | No | Voluntary Same-<br>Lender Debt<br>disclosure not<br>provided to<br>borrower | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66%; guidelines allow 80%+.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 229+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Texas Home<br>Equity | Satisfied D B | XXX | TX<br>Equity—Missing<br>Affidavit of Fair<br>Market Value | No | TX<br>Equity—Missing<br>Affidavit of Fair<br>Market Value | 5/26/2026:<br>Received<br>fully<br>executed<br>FMV<br>Affidavit. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66%; guidelines allow 80%+.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 229+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Income/<br>Employment | Satisfied C A | XXX | Income Amount<br>is Unsupported<br>by<br>Documentation<br>in File | No | We are missing<br>the required<br>most recent<br>business tax<br>return (1120)<br>used to calculate<br>XXX<br>employment<br>income received<br>for both<br>borrowers from<br>XXX XXX<br>XXX , XXX | 5/26/2026:<br>Received<br>2024 1120-S.<br>Each<br>borrower is<br>50% owner.<br>Verified<br>$5,562.46/mo<br>net for each<br>borrower. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66%; guidelines allow 80%+.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 229+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | COC<br>XXX<br>final CD<br>XXX<br>Missing<br>initial CD | 06.10.2026—Missing<br>CDs received | 06.10.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 808. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | XXX | TRID—CD:<br>Missing<br>Initial CD | No | Missing<br>Intimal<br>CD | 06.10.2026—Missing<br>CDs received | 06.10.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 808. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to<br>orderBPO | 6/3/2026: Received<br>BPO supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 808. Minimum score per program is 620. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW,<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 808. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 84 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.10% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 782 FICO score. Minimum required 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's available credit is 96% and the co-borrower is 98%. Both borrower have low credit usage and good credit scores. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.41 is below guideline max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 705. Minimum required is 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years with current employer. |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.41 is below guideline max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 705. Minimum required is 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years with current employer. |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.41%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.41%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 65 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-close assets are $47,731.61 or 17.28 months PITIA. AUS requires $0 in reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 27.77% is lower than max DTI allowed 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 799 exceeds required FICO of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Insurance | Satisfied D A | XXX | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | File is<br>missing<br>evidence<br>of the Ho-<br>6<br>insurance<br>coverage<br>for subject<br>property<br>evidencing<br>monthly<br>premium<br>of $61.75.<br>The doc in<br>the file,<br>page 285<br>is cut off. | 6/11/2026:<br>Received<br>Ho6 dec<br>page. | 6/11/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 816 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .42%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 21 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.72% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 816 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .42%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 21 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.72% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 816 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .42%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 21 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.72% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years and 10 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 11 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.13%. |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years and 10 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 11 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.13%. |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Application | Satisfied D A | XXX | Missing or<br>incomplete<br>documentation<br>related to<br>citizenship/<br>residency | No | B2 I-797<br>shows<br>approval<br>Notice<br>9/22/2025,<br>but does<br>not specify<br>an<br>expiration<br>date. The<br>LOE<br>provided by<br>B2<br>indicates<br>expired<br>docs for<br>OPT and<br>STEM OPT<br>are not in<br>the file.<br>Verification<br>is required<br>for current<br>legal status<br>to work and<br>reside in<br>US. | 5/26/2026:<br>Received<br>I-797A<br>NOA<br>showing<br>approved<br>until<br>9/12/2026. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.67% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>Score<br>4.0.<br>Clayton<br>to order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.67% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 740. Minimum requirement 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $70,463.50=16.11 months. Reserves not required.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Both borrowers employed in areas with unlimited earning possibilities. |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 740. Minimum requirement 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $70,463.50=16.11 months. Reserves not required.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Both borrowers employed in areas with unlimited earning possibilities. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 795 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #152 months<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Closing LTV/CLTV/HCLTV: 60% vs. Maximum allowed 80% |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 795 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #152 months<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Closing LTV/CLTV/HCLTV: 60% vs. Maximum allowed 80% |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.39 is below guideline max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 815 exceeds guideline minimum credit score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $15,810.16, or 3 months PITI. Reserves not required per AUS. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.39 is below guideline max DTI of 45.0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 815 exceeds guideline minimum credit score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $15,810.16, or 3 months PITI. Reserves not required per AUS. |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | XXX | Income<br>Documentation<br>Missing | No | Missing<br>evidence<br>of<br>established<br>month<br>distribution<br>of $3559<br>dated<br>within 120<br>days of the<br>Note date | 6/3/2026:<br>Received<br>12/2025 qtrly<br>stmnt<br>showing<br>$3,559/month<br>lifetime. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 802 / 792 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #362 months, Credit ratio 21.17%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $552,784.36 or 155.32 months of distributions Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 802 / 792 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #362 months, Credit ratio 21.17%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $552,784.36 or 155.32 months of distributions Required Reserves are $0 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 802 / 792 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #362 months, Credit ratio 21.17%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $552,784.36 or 155.32 months of distributions Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.99% is below the guideline maximum of 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 326 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 2.34%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75.80%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.99% is below the guideline maximum of 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 326 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 2.34%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75.80%; guidelines allow 95%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Assets | Satisfied C A | XXX | Insufficient<br>Funds to<br>Close | No | LPA<br>requires<br>1-month<br>bank<br>statement<br>verifying<br>funds no<br>less than<br>$4689.29. | 5/29/2026:<br>Received<br>bk stmnt<br>required<br>to meet<br>funds to<br>close. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Assets | Satisfied D A | XXX | Unverified<br>Assets | No | LPA<br>requires<br>1-month<br>bank<br>statement<br>verifying<br>funds no<br>less than<br>$4689.29. | 5/29/2026:<br>Received<br>bk stmnt<br>required<br>to meet<br>funds to<br>close. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/29/2026:<br>Received BPO<br>supporting value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $2096.07<br>due to<br>discount<br>points<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 06.10.2026—COC<br>and Missing CD<br>provided | 06.10.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 744 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.96% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 744 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.96% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 17.00%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.04%; guidelines allow 80.00%. |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 have been on current job for 18 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 credit score exceed guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 have been on current job for 18 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 credit score exceed guideline minimum of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 786 exceeds minimum guideline requirements of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, the borrower has been at current employer for 9 years and 10 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been at their current employer for ten years |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 786 exceeds minimum guideline requirements of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, the borrower has been at current employer for 9 years and 10 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been at their current employer for ten years |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Co- Borrower has been in same profession for 15 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 214 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.62% is below guideline maximum 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 140 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.16%; guidelines allow 80%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Co- Borrower has been in same profession for 15 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 214 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.62% is below guideline maximum 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 140 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.16%; guidelines allow 80%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.17% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 184 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 387 months. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan approved<br>PIW. Clayton<br>to order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 184 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 387 months. |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Clayton ATR/<br>QM status<br>pending for:<br>missing<br>income<br>documentation.<br>2025 W-2 | 5/26/2026:<br>Received<br>2025 W2. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Texas<br>Home<br>Equity | Active B | XXX | Voluntary<br>Same-<br>Lender Debt<br>disclosure<br>not provided<br>to borrower | No | Provide same<br>lender debt<br>disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/<br>Employment | Satisfied C A | XXX | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | missing the<br>borrowers<br>W2 from<br>2025 for<br>employment<br>with the<br>State of<br>XXX—XXX<br>of XXX &<br>XXX XXX. | 5/26/2026:<br>Received<br>2025 W2. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA 3 score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #164 months, high credit $32,061. Paying off all current accounts at closing<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 795 / 749 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Asset validation not required per AUS. Post Close Assets are $44,674.83 Required Reserves are $0 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Zero<br>tolerance<br>fee or fees<br>increased at<br>or prior to<br>closing<br>without a<br>valid reason<br>or the<br>revised LE/<br>CD was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | The<br>Discount<br>points<br>Zero<br>tolerance<br>fee<br>increased<br>Loan<br>Discount<br>Fee for<br>$984.60<br>from LE<br>dated<br>XXX to<br>CD dated<br>XXX prior<br>to closing<br>without a<br>valid<br>reason or<br>the revised<br>LE/CD;<br>insufficient<br>credit or<br>refund<br>provided. | 5.27.2026—COC<br>provided | 05.27.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.34% CLTV below guideline requirements of 90% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received BPO<br>supporting value.<br>The house #<br>verified is

#XXX, which is<br>directly next<br>door to subject.<br>Clayton verified<br>all other photos<br>match to subject<br>address on XXX. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.34% CLTV below guideline requirements of 90% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received BPO<br>supporting value.<br>The house #<br>verified is

#XXX, which is<br>directly next<br>door to subject.<br>Clayton verified<br>all other photos<br>match to subject<br>address on XXX. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.34% CLTV below guideline requirements of 90% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 credit score exceed guideline minimum of 660 for XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.27% DTI is below guideline requirementof 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72% LTV below guideline requirements of 95% per program. |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/8/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 credit score exceed guideline minimum of 660 for XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.27% DTI is below guideline requirementof 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72% LTV below guideline requirements of 95% per program. |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 Credit score exceeds guidelines of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 15 years and 4 months with a start date of 12/5/2010<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession- 15 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 Credit score exceeds guidelines of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 15 years and 4 months with a start date of 12/5/2010<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession- 15 years |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for over eight years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current employer over over eight years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's credit score of 737 exceeds minimum guideline requirement |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.00%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.66% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.45%; guidelines allow 95%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 32 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $12,163.29 or 2.08 months PITIA> min required of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Compliance<br>Manual | Satisfied D A | XXX | Missing<br>disclosure | No | Missing initial<br>CD XXX | 06.10.2026—ICD<br>received | 06.10.2026<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @7.50%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95% |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | The Seller<br>Fees on the<br>Final CD do<br>not match the<br>Seller Fees<br>from the Seller<br>CD. | (No Data) | Condition<br>Satisfied.<br>All Seller<br>fees have<br>been<br>sourced<br>from the<br>Seller CD . | Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @7.50%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95% |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Closing date<br>XXX. Initial<br>CD not<br>provided.<br>Condition<br>pending<br>receipt initial<br>CD w/ proof<br>of delivery at<br>least 3 days<br>prior to<br>consummation. | 06.10.2026 - ICD<br>received | 06.10.2026<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @7.50%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @7.50%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95% |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @7.50%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95% |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | Yes | Provide<br>proof of<br>HOI for<br>REO on<br>XXX<br>XXX<br>XXX.<br>(Clayton<br>verified<br>taxes and<br>no HOA<br>on<br>XXX). | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.10% DTI < program maximum of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.49% LTV < program maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 fico > program minimum of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | DTI | Active D | XXX | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | Yes | Provide<br>proof of<br>HOI for<br>REO on<br>XXX<br>XXX<br>XXX.<br>(Clayton<br>verified<br>taxes and<br>no HOA<br>on<br>XXX). | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.10% DTI < program maximum of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.49% LTV < program maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 fico > program minimum of 620. |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence—over 23 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 Credit score exceeds guidelines of no score required.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction—paid off 1st and 2nd |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 26 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.57%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 730. Minimum score per program is 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 26 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.57%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 730. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.94%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.65% |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.94%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.65% |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | XXX | Property<br>Value Not<br>Supported | No | 6/3/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order<br>Exterior-Only<br>2055 Report. | 6/9/2026: Received<br>2055 Report Ext-<br>only supporting<br>value. | 6/9/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.94%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.65% |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Provide<br>Income docs<br>for<br>B1—Personal<br>and business<br>returns for<br>income to be<br>calculated<br>and verified. | 6/8/2026: Received<br>2024 business<br>returns for B1, 2024<br>1040s for B2. Still<br>need 2024 1040s<br>for B1. They're<br>married but filed<br>separately.6/9/2026:<br>Received 2024<br>1040s for B1. | 6/8/2026:<br>Exception<br>remains.6/9/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Validated 705 FICO score. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Assets | Satisfied D A | XXX | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | File is<br>missing the<br>XXX<br>statement to<br>verify stocks<br>in the amount<br>of $80,273.07<br>as stated on<br>the Final<br>1003. | 6/8/2026: Received<br>XXX 2/27/2026<br>statement matching<br>balance. | 6/8/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Validated 705 FICO score. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | XXX | Missing<br>Required<br>Income<br>Documentation | No | Provide<br>Income docs<br>for<br>B1—Personal<br>and business<br>returns for<br>income to be<br>calculated<br>and verified. | 6/8/2026: Received<br>2024 business<br>returns for B1, 2024<br>1040s for B2. Still<br>need 2024 1040s<br>for B1. They're<br>married but filed<br>separately.6/9/2026:<br>Received 2024<br>1040s for B1. | 6/8/2026:<br>Exception<br>remains.6/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Validated 705 FICO score. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026: Received<br>CDA supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Validated 705 FICO score. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received BPO<br>supporting value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.57%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 810. Minimum score per program is 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have84 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.57%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 810. Minimum score per program is 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have84 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | XXX | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing<br>statement<br>from XXX<br>XXX<br>account<br>1080 for<br>verified<br>reserves as<br>required<br>per the<br>AUS in<br>file. | 6/8/2026:<br>Received<br>T/C for<br>withdrawal<br>and<br>12/31/2025<br>annual<br>stmnt. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 737. Minimum score per program is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 71 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | DTI | Satisfied D A | XXX | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>verification<br>of HOA<br>for REO<br>on XXX<br>XXX , if<br>applicable. | 6/8/2026:<br>Received<br>verification,<br>no HOA. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 737. Minimum score per program is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 71 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied C A | XXX | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Provide a<br>written<br>VOE or last<br>paystub for<br>the previous<br>2 years to<br>verify the<br>commission<br>income to<br>support the<br>$1,364.00<br>used for<br>qualifying.<br>Commission<br>income<br>must be<br>received for<br>at least 12<br>months,<br>preferably<br>24 months. | 6/8/2026:<br>Received<br>2025 W2<br>and XXX<br>paystub.<br>Used 14<br>month<br>average,<br>verified<br>$1,275/mo<br>commission<br>for B2. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 737. Minimum score per program is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 71 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Active B | XXX | Verbal<br>verification of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Provide<br>funding<br>VVOE for<br>B1 dated<br>within ten<br>business<br>days of<br>closing. The<br>latest in the<br>file is dated<br>XXX and<br>expired<br>XXX. Loan<br>closed XXX<br>. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 211 months mortgage payment history 0x30.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 11+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score<br>3.5. Clayton<br>to order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 211 months mortgage payment history 0x30.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 11+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 34.27% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 34.27% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | XXX | RESPA—List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Missing<br>the HCO<br>in the file | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 credit score exceed guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.96% LTV is below guideline maximum of 80% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | COC<br>XXX<br>final CD<br>XXX<br>Missing<br>initial CD | 06.09.2026<br>-ICD<br>received | 06.09.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 credit score exceed guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.96% LTV is below guideline maximum of 80% |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | XXX | TRID—CD:<br>Missing<br>Initial CD | No | Missing<br>the Initial<br>CD in the<br>file | 06.09.2026<br>-ICD<br>received | 06.09.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 credit score exceed guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.96% LTV is below guideline maximum of 80% |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 credit score exceed guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.96% LTV is below guideline maximum of 80% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 credit score exceed guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.96% LTV is below guideline maximum of 80% |
| &nbsp;&nbsp;&nbsp;654 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Error<br>discovered<br>on Closing<br>Disclosure | No | Please<br>provide<br>verification/clarification<br>of<br>cancellation<br>of fully<br>executed<br>Note and<br>Mortgage<br>and CD<br>XXX. Two<br>closing<br>packages<br>were<br>located in<br>the file.<br>Review<br>conducted<br>on XXX<br>transaction.<br>Please note<br>additional<br>conditions<br>may be<br>required<br>upon<br>receipt and<br>review. | 1.6.2026 - per<br>legal<br>exception<br>remains.<br>Unfortunately,<br>we still need<br>additional<br>clarifaction or<br>cancellation<br>regarding the<br>previous Note<br>dated XXX<br>due to all docs<br>are fully<br>executed by<br>the borrower. | 1.6.2026—Exception<br>remains (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years at profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 EXCEEDS MIN OF 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $913128.54 exceeds 0 reserves required. |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliated<br>business<br>disclosure<br>missing<br>from file. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.94%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $30,019.56 or 9.63 months PITI, DU required $0.00 in reserves to be verified. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>Fee of $150.00<br>due to<br>Appraisal—Final<br>Inspection Fee<br>increased from<br>Initial LE XXX<br>$0.00 to Final<br>CD XXX<br>$150.00.<br>Missing a valid<br>Change of<br>Circumstance, or<br>Post Close CD,<br>LOX and copy<br>of refund check<br>to borrower. | 06.09.2026 - COC<br>provided | 06.09.2026-<br>Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.94%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $30,019.56 or 9.63 months PITI, DU required $0.00 in reserves to be verified. |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide lender<br>QM<br>determination. | 6/15/2026: Received<br>Compliance Report<br>showing Fee Testing.<br>Still need lender QM<br>determination.6/18/2026:<br>Received Safe Harbor<br>status. | 6/15/2026:<br>Exception<br>remains.6/18/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.94%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $30,019.56 or 9.63 months PITI, DU required $0.00 in reserves to be verified. |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide lender<br>QM<br>determination. | 5/27/2026: Received<br>Safe Harbor status. | 5/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 784 / 815 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 45.08%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #5 years |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied D A | XXX | Title<br>incomplete | No | Missing<br>updated Title<br>Schedule<br>A—Loan<br>amount<br>$XXX vs.<br>$XXX<br>coverage on<br>report. | 5/27/2026:<br>Received<br>Final Title<br>showing<br>$XXX<br>coverage. | 5/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 784 / 815 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 45.08%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #5 years |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/8/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.65%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.09% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 186 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 135 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.65%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.09% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 186 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 135 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>shows no<br>score,<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $16,195.06 or 3.76 months PITI reserves, LP required $0.00 in reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.20% |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 723 exceeds guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 41% is below guideline maximum of 45% |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>required<br>affiliated<br>business<br>disclosure<br>in file | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 187 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $75,864.29 / 19.85 months PITI > min required of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  | XXX |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.36% is below guideline maximum 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU<br>score 2.6<br>> 2.5<br>Clayton<br>to order<br>desk<br>review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 734 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 761 / 756 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #75 months, Credit ratio 58.11%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Co-Borrower receives additional income for overtime, Night Shist and weekend work. Income was not used or needed for qualifying |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO. | 5/29/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 761 / 756 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #75 months, Credit ratio 58.11%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Co-Borrower receives additional income for overtime, Night Shist and weekend work. Income was not used or needed for qualifying |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | XXX | Property Value<br>Not Supported | Yes | 5/29/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 6/7/2026:<br>Received<br>2055<br>Exterior<br>only report<br>not<br>supporting<br>value.<br>Lender to<br>order a full<br>appraisal. | 6/7/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 761 / 756 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #75 months, Credit ratio 58.11%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Co-Borrower receives additional income for overtime, Night Shist and weekend work. Income was not used or needed for qualifying |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | Texas<br>Home<br>Equity | Satisfied C B | XXX | Texas<br>Equity—Affidavit<br>of Fair Market<br>Value not signed<br>by lender | No | Affidavit<br>of fair<br>market<br>value in<br>file is not<br>signed by<br>lender.<br>(Four<br>copies in<br>the file). | 6/3/2026:<br>Received<br>fully<br>executed<br>FMV<br>Disclosure. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $166949.31 / 32.39 months PITIA > min required of 0. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Right of<br>Rescission | Active B | XXX | Incorrect<br>ROR Form<br>Used—H8<br>Form Used in<br>Refinance<br>With Original<br>Creditor | No | Regulation Z<br>designates the<br>H9 rescission<br>form as the<br>form designed<br>for same<br>lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the H8<br>form.<br>Regulation<br>Zhas<br>language<br>allowing the<br>use of a<br>substantially<br>similar notice.<br>Claytons view<br>has been that<br>an H8<br>protects the<br>lender and<br>assignee to at<br>least the same<br>extent as an<br>H9,but<br>Clayton<br>recognized<br>that one could<br>think that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar notice<br>argument.<br>The majority<br>of U.S.<br>Circuit<br>Courtsthat<br>have opined<br>on the issue<br>have upheld<br>the use of an<br>H8 in a same-<br>lender<br>refinance;<br>therefore,<br>Clayton<br>grades the use<br>of an H8 form<br>in a same-<br>lender<br>refinance as<br>alevel 2/B-<br>Non Material<br>exception in<br>those Circuits<br>that have not<br>decided on<br>this issue. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.60%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years 10 months |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 5/27/2026:<br>Received<br>Safe<br>Harbor<br>status. | 5/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.60%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years 10 months |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.60%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years 10 months |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.60%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years 10 months |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU (2.6)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 807 / 796 exceeds minimum of 620<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Co-Borrower has availability for increased earnings<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #96 months |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.48% is below the guideline maximum of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 380 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $155,821.77/29.28 PITIA which is > guideline minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage of 5.25%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $2,608,899.69 or 565.30 months PITI reserves, LP required $0.00 in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.30%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | XXX | Property<br>Value<br>Not<br>Supported | Yes | 6/3/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>CDA not<br>supporting<br>value.<br>Clayton to<br>order<br>Field<br>Review. | 6/8/2026:<br>Received<br>Field<br>Review,<br>not<br>supporting<br>value. | 6/8/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $2,608,899.69 or 565.30 months PITI reserves, LP required $0.00 in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.30%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  | XXX |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 176 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $332,535.56/ 123.34 months PITI > min required of $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—Escrow<br>Waiver Fee<br>disclosed in<br>Loan Costs but<br>is not disclosed<br>in Loan<br>Disclosures | No | Initial CD<br>dated<br>XXX and<br>Final CD<br>dated<br>XXX are<br>showing<br>Escrow<br>Waiver fee<br>$750.00.<br>Loan is<br>being<br>Escrowed | 06.23.2026—Cure<br>provided via $750<br>refund, LOX and<br>amended CD and<br>proof of delivery. | 06.23.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 781 mid score > min required of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at current job for 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 8/2010. |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Income/<br>Employment | Active B | XXX | Verbal<br>verification of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/funding | No | Missing<br>VVOE for<br>B2 dated<br>within 10<br>business<br>days of<br>Note date<br>XXX. File<br>contains<br>WVOE<br>dated<br>XXX. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 781 mid score > min required of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at current job for 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 8/2010. |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score<br>could not<br>be<br>performed.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 781 mid score > min required of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at current job for 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 8/2010. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  | XXX |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 731 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.07% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>Affiliated<br>Business<br>Disclosure (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has 15 years of experience in their profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 702.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Qualifying DTI is 36%. |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | Texas<br>Home<br>Equity | Active B | XXX | Voluntary<br>Same-<br>Lender<br>Debt<br>disclosure<br>not<br>provided<br>to<br>borrower | No | The<br>disclosure<br>not<br>provided<br>for<br>Voluntary<br>same<br>lender;<br>please<br>provide. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has 15 years of experience in their profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 702.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Qualifying DTI is 36%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU > 2.5.<br>Clayton to<br>order desk<br>review | 6/3/2026:<br>Received<br>CDA. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25.08 years in the same profession<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date 10/2005, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x49 mortgage payment history |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | XXX | Property<br>Value<br>Not<br>Supported | Yes | 6/3/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>CDA not<br>supporting<br>value.<br>Clayton to<br>order<br>Field<br>Review. | 6/22/2026:<br>Received<br>Field<br>Review<br>not<br>supporting<br>value.<br>Lender to<br>order full<br>appraisal. | 6/22/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25.08 years in the same profession<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date 10/2005, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x49 mortgage payment history |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 154 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19.30%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 323 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 5/2017.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.04% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | XXX | TRID—Closing<br>Disclosure: The<br>Creditors<br>Brokers or<br>Contact persons<br>NMLS or State<br>ID is missing | No | Closing<br>disclosure<br>XXX-1<br>does not<br>have<br>Lending<br>info, this<br>was<br>corrected<br>on final<br>CD XXX<br>-2,<br>Exception<br>Satisfied (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 5/2017.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.04% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 136+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $90,605.88/ 13.66 months PITII > min required of $0.00.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B2 has documented overtime income not being used to qualify. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 136+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $90,605.88/ 13.66 months PITII > min required of $0.00.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B2 has documented overtime income not being used to qualify. |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 136+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $90,605.88/ 13.66 months PITII > min required of $0.00.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B2 has documented overtime income not being used to qualify. |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 3+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.56% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW. Clayton<br>to order BPO. | 6/3/2026: Received<br>BPO supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 3+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.56% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/11/2026:<br>Received<br>Compliance<br>Testing. QM<br>determination is not<br>specified.6/12/2026:<br>Received Safe<br>Harbor status. | 6/11/2026:<br>Exception<br>remains.6/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $7,728.94 / 2.21 months PITIA > min required of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 17 years. |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/16/2026:<br>Received Safe<br>Harbor status. | 6/16/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $31,140.73 exceed guidelines $0.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 810. Minimum score per program is 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 12.375% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $31,140.73 exceed guidelines $0.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 810. Minimum score per program is 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 12.375% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $31,140.73 exceed guidelines $0.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 810. Minimum score per program is 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 12.375% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 709 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.97% DTI |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 751 / 770 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #64 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $8445.50Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to<br>orderBPO | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job- 11 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $13,155 Verified cash reserves exceed guidelines $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 Credit score exceeds guidelines—640 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job- 11 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $13,155 Verified cash reserves exceed guidelines $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 Credit score exceeds guidelines—640 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | XXX | Property<br>Value Not<br>Supported | No | 6/3/2026:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order<br>Exterior-<br>only report<br>2055. | 6/16/2026:<br>Received<br>Field<br>Review<br>supporting<br>value. | 6/16/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job- 11 years<br>**CFCFS1731: Verified cash reserves exceed guidelines**<br> **- Clayton Comments: $13,155 Verified cash reserves exceed guidelines $0**<br> **CFCFS1741: Credit score exceeds guidelines**<br> **- Clayton Comments: 781 Credit score exceeds guidelines—640** |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $21,535.52 or 6 months PITI reserves, DU required $0.00 in reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.33% |
| &nbsp;&nbsp;&nbsp;366 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the CD | No | Not all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the<br>final CD.<br>Seller's<br>CD in file<br>and able to<br>trace all<br>fees,<br>exception<br>is satisfied | (No Data) | Exception<br>Satisfied,<br>seller fees<br>have been<br>sourced<br>on the<br>Seller CD. | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets are $130,050.60 or 21.13 months PITI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 FICO score. Minimum required of 620. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;366 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/8/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets are $130,050.60 or 21.13 months PITI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 FICO score. Minimum required of 620. |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.57% is below guideline maximum 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years at present job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $49,528.74 / 18.77 months PITI > min required of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Right of<br>Rescission | Active B | XXX | Incorrect<br>ROR Form<br>Used—H8<br>Form Used in<br>Refinance<br>With Original<br>Creditor | No | Regulation Z<br>designates the<br>H9 rescission<br>form as the<br>form designed<br>for same<br>lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the H8<br>form.<br>Regulation Z<br>has language<br>allowing the<br>use of a<br>substantially<br>similar notice.<br>Claytons view<br>has been that<br>an H8<br>protects the<br>lender and<br>assignee to at<br>least the same<br>extent as an<br>H9, but<br>Clayton<br>recognized<br>that one could<br>think that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar notice<br>argument.<br>The majority<br>of U.S.<br>Circuit Courts<br>that have<br>opined on the<br>issue have<br>upheld the use<br>of an H8 in a<br>same-lender<br>refinance;<br>therefore,<br>Clayton<br>grades the use<br>of an H8 form<br>in a same-<br>lender<br>refinance as a<br>level 2/B-<br>Non Material<br>exception in<br>those Circuits<br>that have not<br>decided on<br>this issue. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job- 23 years +<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage reviewed for 30 months with 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.37% DTI below guideline requirement 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job- 23 years +<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage reviewed for 30 months with 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.37% DTI below guideline requirement 45% |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valulation:<br>LCA score ><br>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28+ years at primary residence |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—CD:<br>Zero<br>tolerance<br>fee or fees<br>increased at<br>or prior to<br>closing<br>without a<br>valid reason<br>or the<br>revised LE/<br>CD was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero<br>Tolerance Fee<br>of $135.48<br>due to<br>Appraisal<br>Fee, Credit<br>Report Fee<br>and Transfer<br>Tax<br>Aggregate<br>increased<br>from LE<br>XXX to CD<br>XXX. While<br>there is a cure<br>credit for<br>$132.08, it is<br>insufficient<br>by $3.40 to<br>cover the<br>complete<br>tolerance<br>issue. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 6/8/26—Lender<br>provided COC<br>showing<br>increase in<br>Appraisal Fee,<br>Credit Report<br>Fee and<br>Transfer Tax. | 6/8/26—Exception<br>satisified. | Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.48%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 114+ months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $497,841.34 / 133.22 months PITI > min required of $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 3X30, 1X60, 0X90, in #132 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 723 / 766 exceeds minimum of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #9 years |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Borrower's<br>Interest | Active B | XXX | File does<br>not contain<br>a tangible<br>net benefit<br>worksheet | No | Missing<br>the<br>tangible<br>net benefit<br>worksheet | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 8.08%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Borrower's<br>Interest | Active B | XXX | MN<br>Borrower's<br>Interest-<br>Missing<br>Borrower-<br>Signed<br>TNB form<br>or<br>statement | No | MN<br>Borrower's<br>Interest-<br>Missing<br>Borrower-<br>Signed<br>TNB form<br>or<br>statement | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 8.08%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | XXX | RESPA—List<br>of<br>homeowners<br>counseling<br>organizations<br>not provided<br>w/in 3 days<br>of application | No | The Loan<br>Application<br>is dated<br>XXX and<br>the HOC is<br>dated XXX,<br>greater than<br>3 days from<br>application. | (No<br>Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 8.08%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | No ABA (or<br>FACTS) was<br>located in<br>the file. | (No<br>Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 8.08%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Insurance | Satisfied C A | XXX | Insurance<br>Effective date<br>is greater than<br>the<br>transaction<br>date | No | Insurance<br>Effective<br>date of XXX<br>is after the<br>CD<br>disbursement<br>date of XXX<br>. | 6/8/2026:<br>Received<br>HOI for<br>XXX-<br>XXX. | 6/8/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 8.08%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 8.08%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/16/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/16/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have a 19% credit utilization<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $131,437.38 / 49.31 mos reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no late payments in the last 36 mos |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | XXXXXX | ND | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU Score 4.1<br>>2.5; Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 776. Minimum requirement 620.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 have additional documented income (Bonus) not used in qualifying<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have excellent credit history..no derogatory items noted. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5.<br>Clayton to<br>order desk<br>review<br>supporting<br>appraised<br>value. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 431 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.22%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 39.14% is below guideline maximum 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 25 years. |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 781. Minimum score per program is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $519,735.26 post closing reserves, 257 PITIA for subject property.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.01% |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Assets | Satisfied D A | XXX | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | The AUS<br>requires two<br>months asset<br>statements<br>for each<br>depository<br>account.<br>XXX<br>X1XXX ,<br>XXX<br>XXXX,XXX<br>XXX<br>XXXX,<br>XXX XXX<br>XXXX,<br>XXX XXX | 6/11/2026:<br>Received<br>updated<br>1008,<br>1003 and<br>DU<br>removing<br>XXX and<br>XXX<br>accounts.<br>Still App/<br>Eligible. | 6/11/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 781. Minimum score per program is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $519,735.26 post closing reserves, 257 PITIA for subject property.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.01% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>disclosure,<br>Provide<br>Affiliated<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $181,119.83, reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 802 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score not<br>provided.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $181,119.83, reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 802 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.68 is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 745<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5+ years at present job |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliated<br>Business<br>Disclosure<br>in file | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 33% is below guideline maximum of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score of 759 exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash Reserves of $172189.25 exceeds AUS requirement of $0.00 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA Score<br>is >2.5,<br>Clayton to<br>order<br>deskreview | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 33% is below guideline maximum of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score of 759 exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash Reserves of $172189.25 exceeds AUS requirement of $0.00 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the CD | No | Not all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the final<br>CD.<br>Seller's<br>CD in file<br>and able to<br>trace all<br>fees,<br>exception<br>is satisfied. | (No Data) | This<br>exception is<br>informational.<br>Exception<br>satisfied.<br>Final Grade<br>A | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $220,204.31Required Reserves are $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 791 / 807 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #394 months, Credit ratio 59.20% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | XXX | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | Missing<br>Evidence of<br>gift transfer<br>to agent for<br>$150,000.<br>Shown on<br>settlement<br>statement<br>and CD in<br>file | 5/26/2026:<br>Received<br>Gift wire<br>transfer. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $220,204.31Required Reserves are $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 791 / 807 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #394 months, Credit ratio 59.20% |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | RESPA | Active B | XXX | RESPA—List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Missing List<br>of<br>homeowners<br>counseling<br>organizations | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Required<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Credit | Application | Satisfied D A | XXX | Application<br>is<br>incomplete | No | Provide LOX<br>for reason<br>final 1003's<br>reflect the<br>following as<br>current<br>primary<br>residence:<br>XXX XXX<br>XXX; XXX<br>XXX To<br>XXX XXXX.<br>Loan closed<br>as primary<br>residence. | 6/11/2026:<br>Received<br>PDR for<br>XXX<br>XXX<br>XXXV —<br>owned by<br>XXX<br>XXX .<br>Still need<br>info for<br>XXX<br>XXX<br>XXX<br>6/15/2026:<br>Received<br>XXX Mtg<br>stmnt for<br>XXX<br>XXX with<br>full PITI. | 6/11/2026:<br>Exception<br>remains.6/15/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Credit | Insurance | Active C | XXX | Insufficient<br>Hazard<br>Insurance<br>Coverage | Yes | Hazard<br>insurance<br>coverage<br>amount of<br>$XXX is less<br>than the<br>reconstruction<br>cost estimate<br>of $XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero percent<br>tolerance of $5<br>due to flood<br>cert fees on<br>3/11/2026 with<br>invalid reason<br>in file. Provide<br>COC PCCD<br>with cure,<br>copy of cure<br>check, LOE to<br>Borrower and<br>evidence of<br>delivery via<br>method<br>including<br>tracking<br>information<br>within 60 days<br>of<br>consummation. | 05.27.2026<br>— COC<br>provided | 05.27.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 32.70%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #22 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 814 / 803 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Title | Satisfied D A | XXX | Title<br>incomplete | No | Please provide<br>updated Title<br>Commitment<br>Schedule A<br>reflecting<br>increased loan<br>amount for<br>$XXX | 5/27/2026:<br>Received<br>Final title<br>with<br>$XXX<br>coverage. | 5/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 32.70%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #22 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 814 / 803 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 817 / 809 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #6 years<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #206 months, Credit ratio 2.07% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU (3.3)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 817 / 809 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #6 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #206 months, Credit ratio 2.07% |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.05%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.75%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.05%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.75%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.05%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.75%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | WY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | No<br>Affiliated<br>Business<br>Disclosure<br>was<br>located in<br>the file.<br>Client<br>requires<br>full ABA<br>rather<br>than<br>FACTS. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrowers have been XXX - employed > #22 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 20.62% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.48% below guideline requirement |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | WY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA (Not<br>Accessed)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrowers have been XXX - employed > #22 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 20.62% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.48% below guideline requirement |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $6131.07; Required Reserves are $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #66 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 is > the minimum credit score of 620. |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $6131.07; Required Reserves are $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #66 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 is > the minimum credit score of 620. |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  | XXX |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash available after sale of XXX, and closing costs paid $62,690.96 Required Reserves are $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 807 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #484 months, Credit ratio 32.96% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/9/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 786. Minimum score per program is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $13,114.51 post close reserves or 11.30 mos. PITI. Reserves required = $0.00 |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 786. Minimum score per program is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $13,114.51 post close reserves or 11.30 mos. PITI. Reserves required = $0.00 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>Affiliated<br>Business<br>Disclosure | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 is > the minimum credit score of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 24+ years at job 1 and 15+ years at job 2. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Active B | XXX | Incorrect<br>ROR<br>Form<br>Used—H8<br>Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Regulation<br>Z designates<br>the H9<br>rescission<br>form as the<br>form<br>designed for<br>same lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the<br>H8 form.<br>Regulation<br>Z has<br>language<br>allowing the<br>use of a<br>substantially<br>similar<br>notice.<br>Claytons<br>view has<br>been that an<br>H8 protects<br>the lender<br>and<br>assignee to<br>at least the<br>same extent<br>as an H9,<br>but Clayton<br>recognized<br>that one<br>could think<br>that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar<br>notice<br>argument.<br>The<br>majority of<br>U.S. Circuit<br>Courts that<br>have opined<br>on the issue<br>have upheld<br>the use of<br>an H8 in a<br>same-lender<br>refinance;<br>therefore,<br>Clayton<br>grades the<br>use of an<br>H8 form in<br>a same-<br>lender<br>refinance as<br>a level 2/B-<br>Non<br>Material<br>exception in<br>those<br>Circuits that<br>have not<br>decided on<br>this issue. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 is > the minimum credit score of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 24+ years at job 1 and 15+ years at job 2. |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation:<br>CU score is<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 is > the minimum credit score of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 24+ years at job 1 and 15+ years at job 2. |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (3.5)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 786 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #25 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #267 months |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score 3.0<br>is > 2.5.<br>Clayton to<br>order desk<br>review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6+ years at present job |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score is<br>missing.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 206 months mortgage payment history 0x30. Guidelines require 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 722 FICO score. Minimum required is 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI of 38.13% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;430 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 771. Minimum score per program is 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have26 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers having over 18 years in profession<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.35% is below guideline maximum 45%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been in same profession for 23 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have41 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.55%. |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score<br>4.3.<br>Clayton<br>to order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Assets | Satisfied D A | XXX | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | Missing<br>evidence<br>of Gift /<br>Wire<br>Transfer<br>to<br>closing<br>agent<br>from<br>parent<br>for<br>$154,010 | 6/8/2026:<br>Received<br>Wire<br>receipt<br>from<br>donor to<br>Settlement<br>Agent<br>4/10/2026. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed > #19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 731 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #234 months, Credit ratio 34.94% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed > #19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 731 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #234 months, Credit ratio 34.94% |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed > #19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 731 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #234 months, Credit ratio 34.94% |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 6/1/2005, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 13 years in the same profession.B2 has 16 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x32 mortgage payment history |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 6/1/2005, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 13 years in the same profession.B2 has 16 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x32 mortgage payment history |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>required<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,091,034.60 / 140.17 months PITIA > min required of $0.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 37+ years at present job |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score<br>4.7 is ><br>2.5.<br>Clayton to<br>order desk<br>review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,091,034.60 / 140.17 months PITIA > min required of $0.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 37+ years at present job |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 225 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $10,564.22/5.30 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Required<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 764 FICO score. Minimum required of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with the same job for over 5 years. |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/9/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 764 FICO score. Minimum required of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with the same job for over 5 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>Desk<br>Review | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 764 FICO score. Minimum required of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with the same job for over 5 years. |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 764 FICO score. Minimum required of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with the same job for over 5 years. |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton<br>to order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 mid score > min required of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 32+ years at present job.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 133 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  | XXX |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 806 / 809 exceeds minimum of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #5 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #456 months, Credit ratio 0.0567% |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  | XXX |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid score > min required of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 23 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.00%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $296,822.50 or 46.05 months PITIA (all REO) > min required $0.00 |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure<br>in file. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have very few debts requiring monthly payments.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 XXX employed greater than 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory items listed on credit. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Assets | Satisfied D A | XXX | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | $296K<br>Gift Letter<br>in the file.<br>No other<br>assets in<br>file.<br>Provide<br>proof the<br>Gift funds<br>were<br>either<br>deposited<br>into<br>borrower<br>account or<br>deposited<br>with<br>Settlement<br>Agent. | 5/27/2026:<br>Received<br>Gift<br>Transfer<br>to Title for<br>exact<br>amount<br>for funds<br>to close. | 5/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have very few debts requiring monthly payments.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 XXX employed greater than 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory items listed on credit. |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton to<br>order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have very few debts requiring monthly payments.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 XXX employed greater than 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory items listed on credit. |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  | XXX |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $33,978.36 / 13.89 months PITIA > min required of $0.00.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 9 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 145 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA ><br>2.5.<br>Clayton<br>to order<br>Desk<br>Review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 24+ years at present job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $598,464.01 or 114.36 mos. PITIARequired reserves = $0.00 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Assets | Active C | XXX | Insufficient<br>Funds to<br>Close | Yes | Loan has<br>$9,378.45<br>in<br>verified<br>assets.<br>$8,895.85<br>funds<br>required<br>to close.<br>The<br>credit<br>report has<br>an open<br>XXX<br>account<br>balance<br>of<br>$2,439,<br>which<br>deducted<br>from<br>assets<br>leaves<br>$6,939.45<br>in assets.<br>Loan is<br>short<br>$1,956.40<br>funds to<br>close.<br>Provide<br>additional<br>assets or<br>XXX<br>statement<br>verifying<br>a hybrid<br>account<br>with<br>minimum<br>payment<br>due to be<br>added to<br>DTI. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 exceeds min required of 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below 95% maximum. |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 exceeds min required of 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below 95% maximum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 exceeds min required of 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below 95% maximum. |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | XXX | Credit<br>report<br>incomplete | No | Credit in<br>file for B1<br>(XXX<br>XXX) is<br>illegible.<br>DTI<br>calculated<br>using final<br>1003.<br>Additional<br>exceptions<br>may apply<br>upon<br>review of<br>legible<br>credit<br>report. | 6/11/2026:<br>Received<br>legible<br>credit<br>report.<br>Most<br>credit debt<br>is paid<br>through<br>business.<br>DTI is<br>44.60%. | 6/11/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at primary residence (borrowers 2 and 3).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 10+ years at present job for B2 (XXX); 20+ years at present job for B3 (XXX) |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the CD | No | Not all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the<br>final CD.<br>Seller's<br>CD in file<br>and able<br>to trace all<br>fees,<br>exception<br>is<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.24%/maximum 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.59%/maximum 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 797/minimum 680 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied C A | XXX | Appraisal<br>includes<br>one or<br>more<br>issue(s) | No | Provide copy<br>of complete<br>appraisal.<br>One in the<br>file is<br>missing<br>appraiser<br>signature,<br>License and<br>E&O;<br>missing<br>subject and<br>comp photos,<br>location map,<br>plat map,<br>aerial map,<br>neighborhood<br>aerial map. | 5/29/2026: PDF<br>received is corrupt.<br>Please re-upload<br>appraisal.6/3/2026:<br>Received complete<br>appraisal. | 5/29/2026:<br>Exception<br>remains.6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.24%/maximum 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.59%/maximum 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 797/minimum 680 |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Appraiser<br>License<br>Missing | No | missing<br>current<br>appraiser<br>license | 5/29/2026: PDF<br>received is corrupt.<br>Please re-upload<br>appraisal.6/3/2026:<br>Received complete<br>appraisal. | 5/29/2026:<br>Exception<br>remains.6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.24%/maximum 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.59%/maximum 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 797/minimum 680 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  | XXX |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 17%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | No CU/<br>LCA<br>score due<br>to<br>property<br>type.<br>Clayton to<br>order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 mid score > min required of 660. |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 34.71% is below guideline maximum 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 12 years in same line of work. B2 has 10 years in same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $17,346.01 or 2.30 months of PITI. DU AUS required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Credit/<br>Mtg<br>History | Satisfied D A | XXX | Missing<br>credit<br>report | No | Missing<br>the credit<br>report,<br>additional<br>conditions<br>may<br>apply. | 5/29/2026:<br>Received<br>credit<br>report. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $820,503.65 exceed guidelines $0.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job—30 years plus |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | Appraisal | Satisfied C A | XXX | Appraisal<br>includes<br>one or<br>more<br>issue(s) | No | Provide<br>complete<br>copy of<br>appraisal.<br>One in the<br>file is<br>missing<br>appraiser<br>signature,<br>all subject<br>and comp<br>photos,<br>Legal<br>description,<br>plat map,<br>location<br>map, flood<br>map,<br>appraiser<br>license and<br>E&O. | 5/29/2026:<br>Received<br>complete<br>appraisal. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.37%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $319,639.71 in post closing reserves. DU requires $0. |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower score is 807. Minimum score per program is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $145,307 exceed guidelines $0.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been on the current job for 18 years. |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  | XXX |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $286,754.24 month > reserve requirement $0. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—CD:<br>The Will<br>Not Have<br>an Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected and<br>both or<br>neither of<br>You<br>declined it<br>and/or Your<br>lender does<br>not offer<br>one are<br>selected | No | In the Will<br>Not Have<br>an Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected. | 06.10.2026—PCCD<br>received | 06.10.2026<br>-Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.22%; guidelines allow 80%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months. |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C A | XXX | Appraisal<br>includes<br>one or more<br>issue(s) | No | Provide<br>complete<br>appraisal<br>copy.<br>Missing<br>Appraiser<br>signature,<br>license and<br>E&O;<br>missing<br>subject and<br>comp<br>photos,<br>Location<br>Map. | 6/3/2026: Received<br>complete appraisal.<br>Subject rear photo<br>is missing, but there<br>are multiple photos<br>of the rear of the<br>property at different<br>angles. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.22%; guidelines allow 80%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months. |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  | XXX |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B3 has been XXX employed at current job for 11 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since 11/2008. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The<br>Affiliated<br>Business<br>Disclosure<br>was not<br>included<br>in the<br>closing<br>package. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  | XXX |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 mid score 813 > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit 3.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 258 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $328,708.15/67.10 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $328,708.15/67.10 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (3.5)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 792 / 793 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #19 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #223 months, Credit ratio 20.48% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>tolerance<br>fail for<br>$504.20.<br>Lender<br>credits<br>decreased<br>from<br>$701.00<br>to<br>$196.80.<br>No COC<br>provided<br>disclosing<br>reduction<br>in credits. | 6/3/26—Lender<br>provided COC<br>showing<br>reduction in<br>lender credits. | 6/3/26—Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $16,810.29 or 4.81 months PITI reserves, DU required no reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $16,810.29 or 4.81 months PITI reserves, DU required no reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/29/2026:<br>Received BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $16,810.29 or 4.81 months PITI reserves, DU required no reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 6/1/2026:<br>Received BPO<br>supporting value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 15.43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 801 / 806 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash out at closing: $493,052.87Required Reserves are $25,706.04Additional statements ($1,406,777.24) in file not needed on AUS |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 6/1/2026:<br>Received BPO<br>supporting value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 15.43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 801 / 806 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash out at closing: $493,052.87Required Reserves are $25,706.04Additional statements ($1,406,777.24) in file not needed on AUS |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Clayton ATR/<br>QM status<br>pending for:<br>missing<br>income<br>documentation.<br>Proof of<br>monthly IRA<br>dist. | 6/3/2026:<br>Received 1/2026<br>XXX XXX .<br>$931,931.37 /240<br>months =<br>$3,883.05/month.<br>Using lender's<br>lower yield. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 246 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $4,598.00<br>due to<br>Discount<br>Point Fee<br>increased<br>from LE<br>XXX to LE<br>0XXX .<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 05.27.2026—Upon<br>further review,<br>exception is not<br>valid. Fee data<br>entry inputs<br>updated. | 05.27.2026—Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 246 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/<br>Employment | Satisfied C A | XXX | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing most<br>recent bank<br>statement to<br>verify receipt<br>of monthly<br>IRA dist. in<br>the amt. of<br>$3,086.37 | 6/3/2026:<br>Received 1/2026<br>XXX XXX<br>$931,931.37 /240<br>months =<br>$3,883.05/month.<br>Using lender's<br>lower yield. | 6/3/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 246 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/1/2026:<br>Received BPO<br>supporting value. | 6/1/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 246 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW. Clayton<br>to order BPO. | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 246 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/9/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $94,102.70Required Reserves are $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 810 / 823 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #444 months |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 is 150 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.69%; guidelines allow 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $7,139.14/2.04 PITIA which is > guideline minimum.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 243 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received<br>BPO. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 is 150 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.69%; guidelines allow 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $7,139.14/2.04 PITIA which is > guideline minimum.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 243 months. |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | XXX | Property<br>Value<br>Not<br>Supported | No | 6/3/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order<br>Exterior-<br>only 2055<br>report. | 6/9/2026:<br>Received<br>Report<br>2055 Ext-<br>only<br>supporting<br>value. | 6/9/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 is 150 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.69%; guidelines allow 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $7,139.14/2.04 PITIA which is > guideline minimum.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 243 months. |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (4)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 770 / 788 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #449 months, Credit ratio 26.02%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #9 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score 3.0.<br>Clayton<br>to order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 210 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 is 156 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $105,011.20/24.16 PITIA which is > guideline minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 3.28%. |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.76%; guidelines allow 80%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 8/2014. |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.76%; guidelines allow 80%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 8/2014. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (Not<br>accessed)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 739 / 798 exceeds minimum of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with same employer > 27 Years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX-employed > #15 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #85 months |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B A | XXX | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Seller fees<br>and Realtor<br>commission<br>fees listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same profession for 16 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same profession for 16 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same profession for 16 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min FICO is 620; borrs qualifying FICO is 776<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required; remaining assets after close $60,072.18<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrs credit utilization is 2.96% |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU<br>score ><br>2.5.<br>Clayton<br>to order<br>Desk<br>Review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.85%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have65 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $67,932.81 or 15.16 months PITI reserves, LP required no reserves to be verified. |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>(Not<br>accessed)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 796 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $94,217.30Required Reserves are $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #348 months, Credit ratio 0.0335% |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 168 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 239 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 17 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Right of<br>Rescission | Active B | XXX | Incorrect<br>ROR<br>Form<br>Used—H8<br>Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Incorrect<br>ROR<br>Form<br>Used—H8<br>Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 224 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 774 is 154 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.84% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers has 0x30 for 175 months. |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #203 months, Credit ratio 50.06%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borrower and Co-Borrower have received Bonus income in 2025 / 2024. Income was not needed or used for qualifying<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 764 / 788 exceeds minimum of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > 9 years |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #203 months, Credit ratio 50.06%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borrower and Co-Borrower have received Bonus income in 2025 / 2024. Income was not needed or used for qualifying<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 764 / 788 exceeds minimum of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > 9 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $53,981.75 or 5.59 months PITI reserves, DU required no reserves to be verified.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.12% |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide<br>disposition<br>of<br>property<br>located at:<br>XXX<br>XXX<br>XXX<br>XXX, CA.<br>As<br>appearing<br>on HOI<br>policy<br>provided<br>XXX-<br>XXX. pg.<br>401 of<br>PDF. No<br>other REO<br>reflected<br>on final<br>signed<br>1003 B1<br>and CB.<br>HOI<br>shows<br>REO as a<br>rental.<br>Additional<br>conditions<br>may<br>apply. | 6/17/2026:<br>Received<br>PDR for<br>XXX<br>XXX—still<br>owned by<br>B1. No<br>liens. XXX<br>is the<br>ADU. | 6/17/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 781 exceeds guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 42.5 is below guideline maximum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $58724.26 exceed AUS requirement of $0.00 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | DTI | Satisfied D A | XXX | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject PITI | No | Provide<br>disposition<br>of<br>property<br>located at:<br>XXX<br>XXX<br>XXX<br>XXX, CA.<br>As<br>appearing<br>on HOI<br>policy<br>provided<br>XXX-<br>XXX. pg.<br>401 of<br>PDF. No<br>other REO<br>reflected<br>on final<br>signed<br>1003 B1<br>and CB.<br>HOI<br>shows<br>REO as a<br>rental.<br>Additional<br>conditions<br>may<br>apply. | 6/17/2026:<br>Received<br>PDR for<br>XXX XXX<br>XXX—still<br>owned by<br>B1. No<br>liens. XXX<br>is the<br>ADU. | 6/17/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 781 exceeds guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 42.5 is below guideline maximum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $58724.26 exceed AUS requirement of $0.00 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | The<br>Seller<br>Fees on<br>the Final<br>CD do<br>not match<br>the Seller<br>Fees<br>from the<br>Seller<br>CD. | (No Data) | Condition<br>Satisfied.<br>All Seller<br>fees have<br>been<br>sourced<br>from the<br>Seller CD<br>. | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.57% is below guideline maximum 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 364 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 4.93%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $113,863.32/31.79 PITIA which is > guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 364 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 4.93%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $113,863.32/31.79 PITIA which is > guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/8/2026:<br>Received Safe<br>Harbor status. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 778 / 813 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #137 months |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA (not<br>accessed)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with employer > #6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 778 / 813 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #137 months |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $1570 due<br>to 0.25%<br>Points<br>increased<br>from Initial<br>LE XXX<br>Points was<br>$0.00 increase<br>on Revised<br>CD XXX to<br>$1570.00.<br>Change of<br>Circumstance<br>was provider<br>dated XXX<br>but the<br>increase for<br>the Points was<br>not included. | 6/8/26—Lender<br>provided COC<br>showing<br>discount points<br>decrease. | 6/8/26—Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $16,417.43 post closing reserves, 3.56 PITI for subject property.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 772. Minimum score per program is 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.12% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | DTI | Satisfied C A | XXX | Debt<br>Ratio ><br>50% | No | Review<br>DTI of<br>50.64%<br>exceeds<br>the DU<br>DTI of<br>48.97%,<br>PITI<br>verified<br>by lender<br>of<br>$2,774.67<br>per Final<br>1003 and<br>Clayton<br>verified<br>$2,943.53<br>from docs<br>in the<br>file, for<br>the<br>borrowers<br>vacating<br>property<br>located at<br>XXX. | 6/11/2026:<br>Received<br>updated<br>1008 and<br>DU with<br>47.46%<br>DTI. Lender<br>lowered tax<br>escrow as<br>estimate was<br>used since<br>subject is a<br>new<br>construction.<br>The IEADS<br>verifies the<br>$1,897.12<br>annual<br>amount to<br>be collected.<br>Clayton<br>used this<br>amount and<br>DTI is now<br>48.53%. | 6/11/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $46,766.67 or 9.95 months PITI reserves, du required no reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.78%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU > 2.5.<br>Clayton<br>to order<br>desk<br>review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max DTI is 45%; borr dti is 26.89%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min FICO is 620; borr FICO is 789<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No 0x30 mortgage pymt history on current mortgage |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.49%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $94,960.30 or 26.53 months PITI reserves, DU required no reserves to be verified. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #105 months, Credit ratio 3.28%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 812 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Active B | XXX | Incorrect<br>ROR<br>Form<br>Used—H8<br>Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Per title<br>commitment,<br>loan<br>originated<br>with the<br>same<br>creditor.<br>Incorrect H8<br>ROR form<br>was used for<br>this<br>refinance<br>transaction.<br>Condition is<br>pending<br>receiving a<br>correct<br>version H9<br>of NORTCs<br>to all entitled<br>to rescind to<br>re-open<br>rescission,<br>LOX to<br>borrower<br>and proof of<br>delivery<br>with<br>tracking<br>information. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 84 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 727 Guidelines allow 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score<br>of 3.5 is<br>>2.5.<br>Clayton to<br>order desk<br>review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 84 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 727 Guidelines allow 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Seller fees<br>were able<br>to be<br>sourced<br>from the<br>sellers CD<br>document.<br>Consistent<br>with the<br>SFA Trid<br>Grid, we<br>are<br>satisfying<br>to 1/A. | (No Data) | This<br>exception is<br>informational.<br>Exception<br>satisfied.<br>Final Grade<br>A | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 29.14% is lower than max DTI allowed 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 3/23/20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $89,150.74 exceed minimum required $828.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 775 exceeds required FICO of 620. |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 29.14% is lower than max DTI allowed 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 3/23/20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $89,150.74 exceed minimum required $828.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 775 exceeds required FICO of 620. |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 29.14% is lower than max DTI allowed 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, Borrower has been with current employer since 3/23/20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $89,150.74 exceed minimum required $828.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 775 exceeds required FICO of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 6/3/2026:<br>Received BPO<br>supporting<br>value. | 6/3/2026:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.49% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.24%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/3/2026:<br>Received BPO<br>supporting<br>value. | 6/3/2026:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 27.49% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.24%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Need proof<br>initial CD was<br>received by<br>borrower 3<br>days before<br>consummation<br>date of XXX | 5/27/26—Lender<br>provided initial<br>CD dated XXX<br>and signed<br>XXX. | 5/27/26—Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $31,015.36 or 5.56 months PITI, DU required verification of $528 in reserves.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $31,015.36 or 5.56 months PITI, DU required verification of $528 in reserves.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 5/29/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $31,015.36 or 5.56 months PITI, DU required verification of $528 in reserves.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Loan<br>Estimate not<br>timely | No | Initial<br>application<br>date XXX.<br>LE in file<br>is dated<br>XXX and<br>e-signed<br>XXX | 06.16.2026-<br>LE XXX<br>received | 06.16.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.64 %; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.43% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero tolerance<br>in the amount<br>of $75 due to<br>following: Sb-<br>2 to county of<br>XXX $75<br>added on CD<br>XXX but not<br>disclosed on<br>Initial LE<br>XXX with no<br>valid COC.<br>Condition is<br>pending<br>receiving a<br>valid Change<br>of<br>Circumstances/<br>Rate Lock<br>extension or<br>PCD<br>reflecting<br>lenders cure,<br>LOE to<br>borrower, a<br>copy of<br>refund and<br>proof of<br>delivery via<br>shipping that<br>includes<br>tracking<br>information. | 06.16.2026—COC<br>and missing<br>disclosures<br>received | 06.16.2026—Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.64 %; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.43% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the final CD.<br>Seller's CD in<br>file and able<br>to trace all<br>fees,<br>exception is<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $184951.19 or 23.57 months PITI reserves, DU required no reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.30%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.11% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 6/3/2026:<br>Received CDA<br>supporting value. | 6/3/2026: Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $184951.19 or 23.57 months PITI reserves, DU required no reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.30%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.11% is below guideline maximum 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #4 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #125 months, Credit ratio 6.97%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 794 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have120 months mortgage payment history 0x30.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months. |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | XXX | RESPA—List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>missing. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%, guidelines allow 95%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 11 years in the present business. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | affiliated<br>business<br>disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%, guidelines allow 95%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 11 years in the present business. |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID—Seller<br>CD not in file;<br>need in order<br>to complete<br>fee entry | No | Seller CD<br>missing<br>from file,<br>final CD<br>does not<br>show any<br>seller fees. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%, guidelines allow 95%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 11 years in the present business. |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Assets | Satisfied D A | XXX | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing<br>current<br>bank<br>statement<br>for XXX<br>Bank

#XXX<br>reflecting<br>bal. of<br>$166,393.36 | 6/8/2026:<br>Received<br>3/15/2026-<br>4/15/2026 print<br>out for XXX

#XXX. Does not<br>show account<br>owner. Cannot<br>validate using<br>names in the<br>transaction<br>history.6/15/2026:<br>Received XXX

#XXX 3/25/2026<br>stmnt belongs to<br>B1. | 6/8/2026:<br>Exception<br>remains.6/15/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%, guidelines allow 95%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 11 years in the present business. |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score ><br>2.5. Clayton<br>to order<br>Desk Review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%, guidelines allow 95%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 11 years in the present business. |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>and Realtor<br>commission<br>fees listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrowers put in additional 5% downpayment<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 793 / 806 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $143,314.04Required Reserves are $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #91 months, Credit ratio 2.77% |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5.<br>Clayton to<br>order desk<br>review | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $25,699.60 or 4.40 months PITI reserves. LP required no reserves to be verified.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.75% |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | XXX | Missing<br>Legal<br>Document(s) | No | Provide<br>verification<br>borrowers<br>authorize<br>transaction.<br>Credit<br>report<br>indicates<br>Fraud<br>Alert. | 6/25/2026:<br>Processor<br>certification<br>provided to<br>address<br>fraud alert. | 6/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #59 months, Credit ratio 14.15%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 815 / 812 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $409,891.81 Required Reserves are $0<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has beenXXX employed > #9 years |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 149 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 2.16%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $49,472.37/10.58 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 149 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 2.16%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $49,472.37/10.58 PITIA which is > guideline minimum. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan**<br> **Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/12/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 779 / 798 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #138 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 779 / 798 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #138 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 779 / 798 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #138 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.55%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;578 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.96%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Legal<br>Documents | Satisfied D A | XXX | Missing<br>HUD-1<br>from sale<br>of<br>property | No | Missing<br>the final<br>HUD-<br>1/CD<br>from sale<br>of the<br>departing<br>residence<br>on XXX | 6/8/2026:<br>Received<br>Final<br>ALTA:<br>$XXX to<br>this loan<br>transaction,<br>$26,742.92<br>remaining<br>net<br>proceeds<br>4/2/2026. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $163,250.71, required reserves are $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 782 exceeds the guideline program minimum of 620. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $163,250.71, required reserves are $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 782 exceeds the guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 808 / 797 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #123 months, Credit ratio .25%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $58,327.33Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (3.3)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 808 / 797 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #123 months, Credit ratio .25%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $58,327.33Required Reserves are $0 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved, Clayton to<br>order BPO | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved. Clayton to<br>order BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | XXX | TRID—CD:<br>Zero<br>tolerance<br>fee or fees<br>increased at<br>or prior to<br>closing<br>without a<br>valid reason<br>or the<br>revised LE/<br>CD was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | Yes | Zero tolerance in the<br>amount of $130.00<br>due to the addition of<br>Title—Archive Fee<br>$60.00,<br>Title—Document<br>Preparation Fee<br>$50.00; increase in<br>Title Insurance<br>Binder $15.00 and<br>Title—Administration<br>$5.00 without a COC<br>in file. A lender cure<br>for $15.00 was<br>disclosed on Final<br>CD; however, an<br>additional $115.00 is<br>required. Condition<br>pending receipt of a<br>valid COC or Post<br>CD reflecting<br>lender's cure, LOX, a<br>copy of refund and<br>proof of delivery<br>including shipping<br>details and tracking<br>information. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $173,268.53, OR 37 months in PITIA reserves > required $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.56% is below guideline maximum 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $173,268.53, OR 37 months in PITIA reserves > required $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.56% is below guideline maximum 50%. |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 6/1/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/1/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $173,268.53, OR 37 months in PITIA reserves > required $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.56% is below guideline maximum 50%. |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Please<br>provide<br>validation<br>of<br>continuance<br>for Co-<br>Borrower<br>qualifying<br>income in<br>the amount<br>of<br>$5333.47<br>per month | 6/17/2026:<br>Received<br>updated<br>AUS with<br>35.89%<br>DTI, Final<br>1003 and<br>1008. B2<br>income<br>removed.<br>Still DU<br>A/E #7. | 6/17/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #139 months, Credit ratio 32.64%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 775 / 756 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Credit | Income/<br>Employment | Satisfied B A | XXX | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Please<br>provide Co-<br>Borrower<br>explanation,<br>along with<br>Employer<br>confirmation<br>of return to<br>work date.<br>VVOE<br>indicates the<br>Borrower is<br>currently<br>"on leave"<br>vs.<br>"Active". | 6/17/2026:<br>Received<br>updated<br>AUS with<br>35.89%<br>DTI, Final<br>1003 and<br>1008. B2<br>income<br>removed.<br>Still DU<br>A/E #7. | 6/17/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #139 months, Credit ratio 32.64%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 775 / 756 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer > #7 years |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | The Seller<br>Fees on the<br>Final CD do<br>not match<br>the Seller<br>Fees from<br>the Seller<br>CD. | (No Data) | Condition<br>Satisfied.<br>All Seller<br>fees have<br>been<br>sourced<br>from the<br>Seller CD . | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 17.22% |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | XXX | TRID—CD:<br>The Will<br>Not Have an<br>Escrow<br>Account in<br>the CD Loan<br>Disclosures<br>section is<br>selected and<br>both or<br>neither of<br>You<br>declined it<br>and/or Your<br>lender does<br>not offer one<br>are selected | No | Final CD<br>XXX under<br>the loan<br>disclosures<br>"Will not<br>have an<br>escrow<br>account<br>because" is<br>selected, but<br>neither You<br>declined it<br>nor Your<br>lender does<br>not offer<br>one are<br>selected. | 06.08.2026<br>-PCCD<br>received | 06.08.2026<br>-Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 815. Minimum score per program is 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 815. Minimum score per program is 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $547,336.85 or 177.12 months PITI reserves, LP required no reserves to be verified.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 33+ years at present job |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $547,336.85 or 177.12 months PITI reserves, LP required no reserves to be verified.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 33+ years at present job |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (3)<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed / with same employer > #16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 796 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #355 months, Credit ratio 36.21% |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $648,641.86/ 111.93 months PITI > min required of 0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 52 months of current mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $648,641.86/ 111.93 months PITI > min required of 0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 52 months of current mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;604 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 811 / 811 exceeds minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64% below requirements<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #164 months, Credit ratio .78% |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $265,895.52 or 53.05 PITIA. DU AUS required no reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low use of consumer credit. Credit line usage 2.36%. |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The<br>Provide<br>Affiliated<br>Business<br>Disclosure<br>was not<br>included<br>in the<br>package. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Terms/<br>Guidelines | Active C | XXX | Loan<br>documents<br>do not meet<br>guideline<br>requirements | Yes | 6/2/2026:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO. The<br>Street<br>address is<br>XXX XXX<br>XXX<br>XXX.<br>Photo of<br>the street<br>placard is<br>in the<br>report.<br>Clayton<br>verified on<br>XXX, that<br>the spelling<br>is XXX<br>XXX XXX<br>The Note,<br>Mortgage,<br>Flood Cert,<br>HOI, Final<br>CD—all<br>show XXX<br>XXX<br>XXX.<br>Correction<br>required<br>and proof<br>Mortgage is<br>sent for re-<br>recordation. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | XXX | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing the<br>HUD/CD for<br>the sale of<br>XXX XXX<br>XXX to<br>verify the<br>sale<br>proceeds<br>used (in LP)<br>of $300,000<br>and payoff<br>of existing<br>lien | 6/16/2026:<br>REceived<br>HUD1<br>showing<br>$312,867.02<br>in net<br>proceeds<br>and lien<br>PIF. | 6/16/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.73% is 34.27% below the 95% LTV allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 777 is 157 points above the 620 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 37.04% is 7.96% below the 45% allowed. |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA Risk<br>could not be<br>assessed for<br>this<br>submission.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.73% is 34.27% below the 95% LTV allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 777 is 157 points above the 620 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 37.04% is 7.96% below the 45% allowed. |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU Score<br>(unavailable)<br>for the<br>subject<br>property.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 620<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B2 owns multiple businesses with positive monthly income that were not used or required for qualification.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32% is below guideline maximum 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/9/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/9/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 receives commission income for the last 2 years and year to date that is not being used for qualifying.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.09%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $36,473.61 post closing reserves, 8.37 PITI for subject property.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 783. Minimum score per program is 620. |
| &nbsp;&nbsp;&nbsp;614 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the final CD.<br>Seller's CD in<br>file and able<br>to trace all<br>fees,<br>exception is<br>satisfied | (No<br>Data) | This<br>exception is<br>informational.<br>Exception<br>satisfied.<br>Final Grade<br>A | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;614 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Title | Satisfied D A | XXX | Title<br>incomplete | No | The prelim<br>title policy in<br>file doesn't<br>reflects the<br>proposed<br>insured and<br>coverage<br>amount. | 6/2/2026:<br>Received<br>Title<br>showing<br>$XXX<br>coverage. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;614 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;614 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | Exception<br>Satisfied,<br>seller fees<br>have been<br>sourced<br>on the<br>Seller<br>CD. | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the same business for over 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI is 37.83%, below guideline maximum of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $122,271.23, or 15.84 months PITI. Guidelines do not require reserves for this transaction.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 FICO Score. Minimum required is 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 801 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves: $378,350.22Cash out at closing: $42,761.22Required Reserves are $25,440<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #212 months, Credit ratio 23.28% |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Missing the<br>initial CD<br>from the file<br>provide<br>missing CD | 06.08.2026<br>-ICD<br>received | 06.08.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 801 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves: $378,350.22Cash out at closing: $42,761.22Required Reserves are $25,440<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #212 months, Credit ratio 23.28% |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 6/8/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 801 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves: $378,350.22Cash out at closing: $42,761.22Required Reserves are $25,440<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #212 months, Credit ratio 23.28% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | XXX | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>The<br>Affiliated<br>Business<br>Disclosure<br>from file. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.66%/maximum 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 717 exceeds guideline minimum credit score of 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 18 years in same line of work/profession |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>orderBPO | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $131,468.54, 20.77 PITI reserves for subject property.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.28%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 25 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>final CD.<br>Seller's<br>CD in<br>file and<br>able to<br>trace all<br>fees,<br>exception<br>is<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $123,188.44 or 20.65 months of PITI$0 Required Reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.50% dti; Max DTI is 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 years in the same profession |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $123,188.44 or 20.65 months of PITI$0 Required Reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.50% dti; Max DTI is 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 years in the same profession |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $123,188.44 or 20.65 months of PITI$0 Required Reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.50% dti; Max DTI is 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 years in the same profession |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | Exception<br>Satisfied,<br>seller fees<br>have been<br>sourced on<br>the Seller<br>CD. | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $36,614.43 post closing assets. 7.9 months of reserves, PITI. Required reserves are $0.00<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 797. Minimum score per program is 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.14% |
| &nbsp;&nbsp;&nbsp;628 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the final CD.<br>Seller's CD<br>in file and<br>able to trace<br>all fees,<br>exception is<br>satisfied | (No Data) | This<br>exception is<br>informational.<br>Exception<br>satisfied.<br>Final Grade<br>A | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.73% |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $39098.56 / 8.74 months PITIA > min required of 0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.38% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $39098.56 / 8.74 months PITIA > min required of 0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.38% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | XXX | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>Evidence<br>XXX is<br>owned<br>Free &<br>clear.<br>1040's<br>has Mtg<br>interest<br>LOX<br>XXX —<br>On sch E<br>not listed<br>on App<br>—<br>Positive<br>rental<br>income | 6/8/2026:<br>Received<br>proof<br>REO is<br>owned<br>F&C. | 6/8/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 808 / 771 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $863,638.33 Required Reserves are $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 01X30, 0X60, 0X90, in #38 months, Credit ratio 7.65% Charge dated 11/24, 1 X 30 dated 8/23 |
| &nbsp;&nbsp;&nbsp;631 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | XXX | TRID Not<br>all required<br>seller-paid<br>fees were<br>disclosed<br>on the CD | No | The<br>Seller<br>Fees on<br>the Final<br>CD do<br>not<br>match<br>the<br>Seller<br>Fees<br>from the<br>Seller<br>CD | (No Data) | Condition<br>Satisfied.<br>The Seller<br>paid<br>commission<br>can be<br>sourced<br>from the<br>Seller's CD | Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.53% DTI below guideline requirement 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.63 months Verified cash reserves exceed guidelines 3 months |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years 6 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.57% below guideline requirement |
| &nbsp;&nbsp;&nbsp;637 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score<br>is<br>unavailable.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.9% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;639 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.78% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $124,230.53 / 15.36 months PITIA > min required of $0.00.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 10 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 783 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #139 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $156,492.15 Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | XXX | TRID—CD:<br>Zero<br>tolerance fee<br>or fees<br>increased at<br>or prior to<br>closing<br>without a<br>valid reason<br>or the revised<br>LE/CD was<br>not timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero tolerance<br>in the amount<br>of $255.00<br>due to<br>Appraisal Fee<br>increase on<br>CD XXX and<br>the addition of<br>Appraisal<br>Desk Review<br>Fee on CD<br>XXX without<br>a COC in file.<br>A lender cure<br>in the amount<br>of $50.00 was<br>disclosed;<br>however, an<br>additional<br>$205.00 is<br>required.<br>Provide a<br>Change of<br>Circumstances<br>or Post CD<br>reflecting<br>lenders cure,<br>LOX, a copy<br>of refund and<br>proof of<br>delivery<br>including<br>shipping<br>details and<br>tracking<br>information. | 06.08.2026<br>-COC<br>provided | 06.08.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 33.130%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 741 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed > #28 years |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | XXX | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide lender<br>QM<br>determination. | 6/8/2026:<br>Received<br>Safe<br>Harbor<br>status. | 6/8/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 33.130%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 741 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed > #28 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton<br>to order<br>Desk<br>Review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 33.130%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 741 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed > #28 years |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $161,376.07Required Reserves are $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #120 months, Credit ratio .26%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 802 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 6/3/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $161,376.07Required Reserves are $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #120 months, Credit ratio .26%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 802 exceeds minimum of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA score<br>3.5 is >2.5.<br>Clayton to<br>order desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.28%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $544,997.14 or 171.60 months PITI reserves, LP required no reserves to be verified. |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/<br>Employment | Satisfied C A | XXX | Income<br>docs do<br>not meet<br>guidelines | No | The borrower<br>was qualified<br>on future<br>income from<br>an offer letter.<br>The offer<br>letter in file is<br>not executed<br>and there are<br>some<br>contingencies,<br>in the offer<br>letter, that are<br>not addressed<br>within the<br>loan file. | 6/2/2026:<br>Received<br>verification<br>all<br>contingencies<br>met and<br>starts<br>5/4/2026. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $887,936.75 or 221.07 months PITI reserves, LP required no reserves to be verified<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.46%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | XXX | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $887,936.75 or 221.07 months PITI reserves, LP required no reserves to be verified<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.46%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 6/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $887,936.75 or 221.07 months PITI reserves, LP required no reserves to be verified<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.46%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;653 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | XXX | Missing<br>updated<br>valuation | No | LCA<br>score is 4<br>which is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 6/3/2026:<br>Received<br>CDA<br>supporting<br>value. | 6/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 753 is 133 points above the 620 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 30.31% is 14.69% below the 45% allowed. |

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------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF6_J17053** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *295* |
| ***Loans with Conditions:*** | *241* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |

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------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | XXXXXX D A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |

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------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;656 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX A | No |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;654 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |

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------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;366 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;430 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | XXXXXX D C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;578 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | XXXXXX D A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;604 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX | XXXXXX D C B A | No |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;614 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;628 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;631 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;637 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;639 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;653 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF6_J17053** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *295* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4318 | XXXXXX | 6.5559 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10864 | XXXXXX | 6.7767 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9561.5 | XXXXXX | 7.4064 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6122.08 | XXXXXX | 6.1003 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5784.72 | XXXXXX | 5.9976 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10138 | XXXXXX | 6.5826 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4286.25 | XXXXXX | 6.1546 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15876.35 | XXXXXX | 6.6366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11288 | XXXXXX | 6.3956 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8973 | XXXXXX | 7.2235 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13529 | XXXXXX | 6.4514 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16087.3 | XXXXXX | 6.0553 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8678 | XXXXXX | 6.1189 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16225.5 | XXXXXX | 6.0175 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8063 | XXXXXX | 6.1866 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8227.63 | XXXXXX | 6.6981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5673 | XXXXXX | 6.3006 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3796.92 | XXXXXX | 6.1164 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2932 | XXXXXX | 6.6476 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5097 | XXXXXX | 7.1972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7388.36 | XXXXXX | 6.9529 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2999.81 | XXXXXX | 5.9666 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7274 | XXXXXX | 7.0724 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7463.73 | XXXXXX | 6.1412 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7699 | XXXXXX | 6.4809 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9551.97 | XXXXXX | 6.8435 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.7861 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1014 | XXXXXX | 6.5477 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0116 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1400 | XXXXXX | 5.8984 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2304 | XXXXXX | 6.2047 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1864 | XXXXXX | 6.7983 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2285 | XXXXXX | 7.1293 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5062 | XXXXXX | 6.7122 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1224 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.1756 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0476 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.8436 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1724 | XXXXXX | 5.9043 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2724 | XXXXXX | 6.044 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1518.19 | XXXXXX | 6.0722 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.901 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1042 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 5.7792 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.6769 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7325 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1784 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1917 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8720.14 | XXXXXX | 6.1587 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6123.54 | XXXXXX | 5.9331 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6801.97 | XXXXXX | 6.5931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8959.72 | XXXXXX | 6.0926 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5813.73 | XXXXXX | 5.8256 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.8955 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5044.19 | XXXXXX | 7.162 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7238.72 | XXXXXX | 5.8665 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2807.26 | XXXXXX | 5.6484 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.7276 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4992.92 | XXXXXX | 6.8459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7785.78 | XXXXXX | 6.295 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3504 | XXXXXX | 5.6497 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4481.59 | XXXXXX | 5.7876 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5645.46 | XXXXXX | 6.2882 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2257.9 | XXXXXX | 5.9191 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3108.95 | XXXXXX | 5.8812 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2879 | XXXXXX | 6.057 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2669 | XXXXXX | 6.178 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1792 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3777.2 | XXXXXX | 5.9202 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3926.45 | XXXXXX | 5.2531 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6955.4 | XXXXXX | 6.2651 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3975 | XXXXXX | 6.2255 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.303 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3037 | XXXXXX | 5.9017 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2740.4 | XXXXXX | 6.0322 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2973.48 | XXXXXX | 5.9086 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2297.66 | XXXXXX | 5.6749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9352.7 | XXXXXX | 5.7054 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2681.2 | XXXXXX | 5.4084 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0286 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2714 | XXXXXX | 5.7219 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;656 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.154 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6845.44 | XXXXXX | 6.3237 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.5481 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4153.01 | XXXXXX | 6.9128 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5401.6 | XXXXXX | 6.2247 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.7984 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 7.045 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6568.2 | XXXXXX | 6.0139 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4853.43 | XXXXXX | 6.3738 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3349.6 | XXXXXX | 5.9185 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9209.9 | XXXXXX | 6.7977 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2776.61 | XXXXXX | 5.7163 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4874.87 | XXXXXX | 5.7357 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.5662 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 720.94 | XXXXXX | 6.1335 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1994.52 | XXXXXX | 6.0231 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.6848 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 5.655 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6587.72 | XXXXXX | 5.8165 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6306.76 | XXXXXX | 5.6036 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9330.97 | XXXXXX | 6 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5758.67 | XXXXXX | 6.3185 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5193.31 | XXXXXX | 6.4143 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1564.1 | XXXXXX | 5.803 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7312.84 | XXXXXX | 5.7051 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.2556 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4296.2 | XXXXXX | 6.8294 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6784.09 | XXXXXX | 5.8415 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12175.54 | XXXXXX | 6.6092 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6969.04 | XXXXXX | 6.7654 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3454.81 | XXXXXX | 5.9244 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3393.9 | XXXXXX | 5.9105 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0994 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8903.8 | XXXXXX | 6.278 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3970 | XXXXXX | 6.0971 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2681.96 | XXXXXX | 6.2919 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 2197.64 | XXXXXX | 6.2099 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10637.99 | XXXXXX | 6.7697 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.3261 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.721 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8806.06 | XXXXXX | 6.419 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5150.86 | XXXXXX | 5.7822 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 6.659 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7627.11 | XXXXXX | 6.6587 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7619.64 | XXXXXX | 6.2326 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6789.01 | XXXXXX | 6.2 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;654 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 4.7581 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1250 | XXXXXX | 6.0341 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7876.41 | XXXXXX | 6.068 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.2966 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1527 | XXXXXX | 6.9205 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6295 | XXXXXX | 7.1139 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 900 | XXXXXX | 5.7681 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2975.5 | XXXXXX | 6.2617 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5618.2 | XXXXXX | 6.2514 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4470 | XXXXXX | 6.0682 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.7174 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1320 | XXXXXX | 6.4074 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 6.4214 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 510 | XXXXXX | 5.8894 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2218.5 | XXXXXX | 6.155 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2436.41 | XXXXXX | 6.111 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1598 | XXXXXX | 6.4431 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5248 | XXXXXX | 6.7765 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2741.19 | XXXXXX | 5.9268 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.1608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3150.1 | XXXXXX | 6.0947 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1670 | XXXXXX | 6.1699 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 6.0236 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 5.9857 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1315 | XXXXXX | 5.9252 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.5008 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7960 | XXXXXX | 6.0509 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1555 | XXXXXX | 6.1062 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 787 | XXXXXX | 6.1641 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;366 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2840 | XXXXXX | 6.4493 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3215 | XXXXXX | 5.8459 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2730 | XXXXXX | 6.76 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.5075 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.524 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1225 | XXXXXX | 6.5546 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3530 | XXXXXX | 6.1274 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3470 | XXXXXX | 6.3638 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2665 | XXXXXX | 6.3787 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1257 | XXXXXX | 6.145 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 510 | XXXXXX | 5.9103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4370 | XXXXXX | 6.6155 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4440 | XXXXXX | 6.74 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 6.2388 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1190 | XXXXXX | 6.162 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1498 | XXXXXX | 7.1275 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.1712 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 850 | XXXXXX | 6.1434 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4845 | XXXXXX | 6.8611 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2050 | XXXXXX | 6.1627 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6620 | XXXXXX | 6.4058 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.1639 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7410.5 | XXXXXX | 6.5298 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 787 | XXXXXX | 6.1509 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 688 | XXXXXX | 6.1427 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1850 | XXXXXX | 6.6384 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1450 | XXXXXX | 6.8492 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;430 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.1757 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.1435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1585 | XXXXXX | 6.026 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8942.5 | XXXXXX | 6.0248 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9348.13 | XXXXXX | 7.0759 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2225 | XXXXXX | 6.4798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 569 | XXXXXX | 5.8982 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3465 | XXXXXX | 6.7038 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6165 | XXXXXX | 6.1484 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9607.34 | XXXXXX | 7.0291 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3540 | XXXXXX | 6.176 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1565 | XXXXXX | 6.6762 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1900 | XXXXXX | 6.4196 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 6.1561 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2584.55 | XXXXXX | 6.9171 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.5396 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7345 | XXXXXX | 6.2976 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10225 | XXXXXX | 6.0506 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1150 | XXXXXX | 6.2639 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2225 | XXXXXX | 6.8716 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13481.25 | XXXXXX | 5.8235 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2674 | XXXXXX | 6.3125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.1545 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1480 | XXXXXX | 6.5378 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1775 | XXXXXX | 6.642 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1795 | XXXXXX | 6.2844 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1994 | XXXXXX | 6.531 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 60 | XXXXXX | 6.135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.1594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11874.98 | XXXXXX | 6.5385 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13575 | XXXXXX | 6.6834 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2884 | XXXXXX | 6.0324 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1234 | XXXXXX | 5.8423 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1550 | XXXXXX | 6.0342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1620 | XXXXXX | 6.5515 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2015 | XXXXXX | 6.7255 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2785 | XXXXXX | 6.4299 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1280 | XXXXXX | 6.4325 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1975 | XXXXXX | 6.9389 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3654.23 | XXXXXX | 5.793 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.4636 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 5.9046 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 488 | XXXXXX | 6.1552 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 5.9656 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1865 | XXXXXX | 6.0818 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11070 | XXXXXX | 6.0472 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1499 | XXXXXX | 6.0205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5285 | XXXXXX | 5.9955 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8675 | XXXXXX | 6.2024 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8416.06 | XXXXXX | 6.0654 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 889.8 | XXXXXX | 5.9893 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10454.41 | XXXXXX | 6.0082 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1435 | XXXXXX | 6.2395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11094.7 | XXXXXX | 6.1231 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13332 | XXXXXX | 6.0861 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1940 | XXXXXX | 6.0811 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1880 | XXXXXX | 6.0616 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.0301 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12670 | XXXXXX | 6.1599 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14401.25 | XXXXXX | 6.0372 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 22100 | XXXXXX | 7.0418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1254 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1665 | XXXXXX | 6.0187 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 17710 | XXXXXX | 6.8549 | Unemployed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 6.0633 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11811 | XXXXXX | 6.4923 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16740 | XXXXXX | 6.2006 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 6.0758 | Unemployed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 58 | XXXXXX | 6.0591 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1825 | XXXXXX | 6.2863 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;578 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.4187 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1771 | XXXXXX | 6.2533 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8857 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1894 | XXXXXX | 6.4306 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4924.28 | XXXXXX | 6.0747 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6697.5 | XXXXXX | 6.0965 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1634 | XXXXXX | 6.5245 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1698 | XXXXXX | 6.1577 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2015 | XXXXXX | 6.2461 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1630 | XXXXXX | 6.5438 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 7.0579 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;604 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 5.9951 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1519 | XXXXXX | 6.0745 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6232 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15073.12 | XXXXXX | 6.3605 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2878 | XXXXXX | 6.4768 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9516 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;614 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10920 | XXXXXX | 6.3897 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to<br>1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/<br>QM Total Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers Qualified<br>Through a Non-<br>Resident Alien<br>Program** | **Residual Income<br>Analysis in File** | **ATR/<br>QM Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2665 | XXXXXX | 6.0681 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2287.5 | XXXXXX | 6.0386 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2180 | XXXXXX | 6.4141 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;620 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3000 | XXXXXX | 6.0659 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 6.6473 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11340 | XXXXXX | 6.2052 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.1437 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;628 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1740 | XXXXXX | 6.4096 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7040 | XXXXXX | 6.3269 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1645 | XXXXXX | 6.2863 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;631 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1576 | XXXXXX | 6.0327 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6937 | XXXXXX | 6.108 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;637 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1445 | XXXXXX | 6.1682 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;639 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1450 | XXXXXX | 6.4716 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1755 | XXXXXX | 6.0606 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2340 | XXXXXX | 6.7618 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4553.94 | XXXXXX | 5.9198 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6864.03 | XXXXXX | 6.031 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1519 | XXXXXX | 6.4211 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;653 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.1718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

<sup>©</sup>2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

![LOGO](g144101img001.jpg)

**Loan Level Tape Compare Upload** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | Cash Reserves | 2556.6700 | 744287.23 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Cash Reserves | 6.4400 | 529.44 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | DTI (Back) | 43.8200 | 40.5915 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Cash Reserves | 1566.6700 | 30006.76 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | Cash Reserves | 533.7700 | 6669.35 |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | Cash Reserves | 44987.9900 | 409891.81 |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | Cash Reserves | 8895.3000 | 62690.96 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Income (Calculated) | 3356.8300 | 21564.35 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Note Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | Cash Reserves | 36412.7200 | 186912.72 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Cash Reserves | 139144.0100 | 547853.63 |
| &nbsp;&nbsp;&nbsp;617 | XXXXXX | XXXXXX | Cash Reserves | 103678.0000 | 387350.22 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | DTI (Back) | 44.0340 | 37.724 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Cash Reserves | 117257.4800 | 333834.6 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Cash Reserves | 15197.4200 | 42090.22 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Cash Reserves | 58724.2600 | 119164.12 |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | Cash Reserves | 86742.2300 | 168536.82 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Cash Reserves | 66734.2100 | 124462.99 |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | Cash Reserves | 185878.1900 | 332535.56 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | Cash Reserves | 146053.2200 | 248909.7 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Cash Reserves | 166949.3100 | 278248.85 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Cash Reserves | 1774.3300 | 2774.33 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Income (Calculated) | 26605.4000 | 41124.72 |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | Cash Reserves | 24401.6000 | 34665.97 |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | DTI (Back) | 44.8790 | 41.2864 |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | Cash Reserves | 6763.8400 | 9445.5 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | DTI (Back) | 45.9050 | 42.841 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Cash Reserves | 39935.5900 | 51700.16 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | Cash Reserves | 6466.2400 | 8170.15 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Cash Reserves | 57226.7000 | 71929.56 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | DTI (Back) | 32.1990 | 37.7517 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | DTI (Back) | 41.4106 | 34.5088 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | DTI (Back) | 44.4892 | 35.6283 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | DTI (Back) | 16.8182 | 31.21 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Note Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | DTI (Back) | 44.5699 | 41.3648 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 28 Yr Conventional |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 27 Yr Fixed |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | DTI (Back) | 31.5170 | 27.8708 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 29 Yr Conventional |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;656 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 28 Yr Conventional |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 29 Yr Conventional |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 28 Yr Conventional |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | DTI (Back) | 20.3422 | 32.2773 |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 28 Yr Conventional |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 28 Yr Conventional |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | DTI (Back) | 46.7435 | 41.6354 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | DTI (Back) | 43.8022 | 40.0753 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | DTI (Back) | 23.8310 | 36.8578 |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | Cash Reserves | 127428.4200 | 94825.71 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | Cash Reserves | 3580142.3600 | 2608889.69 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | Cash Reserves | 131124.7500 | 94217.3 |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | Cash Reserves | 129149.7300 | 89150.74 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | Cash Reserves | 59348.5300 | 38573.53 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | Income (Calculated) | 31583.3900 | 19460.62 |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | Cash Reserves | 216684.1900 | 131437.38 |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | XXXXXX | Cash Reserves | 98327.3300 | 58327.33 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Cash Reserves | 195826.0800 | 108826.08 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Cash Reserves | 1177572.5700 | 648641.86 |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | Cash Reserves | 519735.2600 | 268400.78 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | Cash Reserves | 190443.3500 | 90605.88 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | Cash Reserves | 5217.6300 | 2305.06 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Cash Reserves | 60620.3100 | 26620.31 |
| &nbsp;&nbsp;&nbsp;366 | XXXXXX | XXXXXX | Cash Reserves | 306410.7100 | 130050.6 |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | Cash Reserves | 348594.1800 | 143436.11 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Cash Reserves | 814394.7100 | 319639.71 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Property Type | High Rise Condo (9+) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | Cash Reserves | 48579.7500 | 18665.8 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | DTI (Back) | 30.5580 | 43.5247 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Cash Reserves | 33833.5200 | 12932.42 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Cash Reserves | 276960.8100 | 105011.2 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Cash Reserves | 2821.6900 | 974.03 |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | Cash Reserves | 45980.3400 | 15349.57 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Cash Reserves | 429319.1700 | 138600.98 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | Cash Reserves | 219188.6600 | 70204.31 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Cash Reserves | 258878.8800 | 74910.05 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Cash Reserves | 151412.6700 | 43412.67 |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | Cash Reserves | 48284.5100 | 13114.51 |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | XXXXXX | Cash Reserves | 455448.3300 | 123188.44 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Cash Reserves | 229795.8600 | 54795.86 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Cash Reserves | 223641.1700 | 49541.17 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Cash Reserves | 4485.9800 | 925.2 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | Cash Reserves | 150739.9100 | 28898.16 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | Cash Reserves | 110743.4100 | 20743.41 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Cash Reserves | 243537.8500 | 43803.3 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | DTI (Back) | 40.1680 | 36.1765 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Cash Reserves | 933907.0000 | 145307 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Cash Reserves | 3793145.7200 | 497841.34 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Cash Reserves | 136968.7800 | 16810.29 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Cash Reserves | 210442.7400 | 25699.6 |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | Cash Reserves | 49964.1200 | 260.03 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Cash Reserves | 39075.8000 | 0 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Cash Reserves | 768.1400 | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Cash Reserves | 2029818.8100 | 0 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | Cash Reserves | 5932.5200 | 0 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | Cash Reserves | 49668.1200 | 0 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Cash Reserves | 789691.9400 | 0 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Cash Reserves | 1817.4400 | 0 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | Cash Reserves | 7115.7300 | 0 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Income (Calculated) | 1425.0000 | 0 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | Cash Reserves | 449.0000 | 0 |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | Cash Reserves | 85569.7900 | 0 |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | XXXXXX | Cash Reserves | 13014.3600 | 0 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 11783.33 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13173.4 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 6975.66 |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 16277.08 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 7347.6 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 48334.41 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 9788 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 29166.67 |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 28 Yr Conventional |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 2858.51 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 2339.67 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Combined Loan to Value | 69.4440 | 71.9424 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 18940.24 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Loan to Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13793.87 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5012.03 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5708.33 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 16144.45 |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5765.67 |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13919.53 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 19500 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | Representative Score | 776 | 774 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 10103.87 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 10522 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 12960 |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 9340.5 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 8111.23 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 10366.28 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 7673.58 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 7425 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 7457.84 |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13614.83 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 12767.35 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13216.67 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5000 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 16414.67 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 7909.42 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 18123.42 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 14091.12 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;#N/A | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 11666.67 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13644.33 |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 3280.78 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5562.46 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 10998.68 |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 14000.02 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 9756.69 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 11566.67 |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | DTI (Back) | 24.7110 | 35.6976 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 11621.15 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 11445.85 |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 16666.66 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 6732.29 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 8311.28 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13341.77 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 27168.75 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5808 |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Site Condo |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 20833.34 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | Cash Reserves | 2415.5400 | '-3083.86 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 4146.36 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 2754.66 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 17499.99 |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 4808.25 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 11174.81 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 13576.77 |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 6844.98 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5260.67 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 8089.38 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 18502.1 |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 12500 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 6730.78 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 8670.62 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 10937.5 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 18583.33 |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;637 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 10115.82 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 5455.8 |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 4862 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Income (Calculated) | 0.0000 | 9753.64 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | Income (Calculated) | '-527.1700 | '-490.13 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Cash Reserves | 482.6000 | '-1956.4 |

---

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-CNF6_J17053 |
| **Valuations Summary** |  |
| *Loans In Report:* | *295* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 4 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 6 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.41% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 8 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 10 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 14 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 15 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 19 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 24 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 25 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 28 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 30 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 32 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 46 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.01% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 48 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 52 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 15.89% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.54% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.33% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 12.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 16.85% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 12.49% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -16.22% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.70% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.90% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.81% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.62% | XXXXXX | XXXXXX | XXXXXX | -13.58% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 151 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.93% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 153 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.33% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.92% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 11.11% | XXXXXX | XXXXXX | XXXXXX | -11.22% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 656 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.19% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.87% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.90% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.99% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.35% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.63% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.45% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.75% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 13.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.33% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.89% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 22.07% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.07% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.70% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 262 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 270 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.03% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 273 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.98% | XXXXXX | XXXXXX | XXXXXX | -11.01% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 274 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 276 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 277 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 282 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 283 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 18.77% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 287 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 654 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 290 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 292 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 297 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.04% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 299 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 300 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 302 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 305 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 306 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -34.84% | XXXXXX | XXXXXX | XXXXXX | -21.29% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 311 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 313 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.36% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 316 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 318 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 320 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -17.21% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -20.09% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 321 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 322 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 323 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 324 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 330 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -16.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -27.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 335 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 341 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 343 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 352 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.69% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 354 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 355 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.87% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 360 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 362 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.55% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -10.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 364 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 366 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 368 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 370 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 372 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 374 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 376 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 377 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 378 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 383 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 384 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 387 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 390 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 392 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 401 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 404 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 406 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 407 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 408 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.85% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 409 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 414 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 417 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.79% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 418 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 419 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 420 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 421 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 422 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 428 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 430 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 431 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 434 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 439 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 27.60% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 440 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 441 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 442 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 444 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.04% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 445 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 446 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 454 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 455 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 456 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 457 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 458 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 459 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 460 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 462 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 463 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 465 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 467 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 468 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 469 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 473 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 478 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 480 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 488 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 489 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 490 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 495 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 500 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 501 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 15.24% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 502 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 506 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 507 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.41% | XXXXXX | XXXXXX | XXXXXX | -13.28% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 517 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 518 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 520 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 522 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 523 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.17% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 524 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 527 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 529 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 532 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 534 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 535 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 536 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 41.13% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 539 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 540 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 542 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 543 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.74% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 545 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 546 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 547 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 550 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 552 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 554 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 555 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.99% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 557 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.78% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 559 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.71% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 560 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 562 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 564 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 566 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 567 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 569 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 570 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 571 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 572 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.65% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 574 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 16.90% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 577 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 578 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 581 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.11% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 582 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 583 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.29% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 586 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 591 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 592 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 593 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 598 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 599 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 603 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.40% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 604 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 605 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 606 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 610 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 611 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 613 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 614 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.10% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 615 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 617 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 618 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 620 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 621 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.62% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 622 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 626 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 628 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 629 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 630 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 631 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 634 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 637 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 639 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 642 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 645 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| &nbsp;&nbsp;&nbsp;&nbsp; 646 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 647 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 649 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.03% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 653 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |

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