# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0000929638-25-004791
**Filing Date:** 2025-12
**Character Count:** 2341202
**Document Hash:** 1e8c74f33ec936df9259323ed0079554
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-004791.hdr.sgml**: 20251231

**ACCESSION NUMBER**: 0000929638-25-004791

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

**PUBLIC DOCUMENT COUNT**: 22

**CONFORMED PERIOD OF REPORT**: 20251231

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

**FILED AS OF DATE**: 20251231

**DATE AS OF CHANGE**: 20251231

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 251616758

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

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

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

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

Date of Report (Date of earliest event reported): ______________<br>Commission File Number of securitizer: &nbsp;&nbsp;&nbsp;&nbsp; ______________<br>Central Index Key Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________<br>

<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> <br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2026-1</u>

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

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

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

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

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

------

#### SIGNATURES

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

Dated: December 31, 2025

---

| | | |
|:---|:---|:---|
| SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. |
| (Depositor) | (Depositor) | (Depositor) |
| By:&nbsp;&nbsp;&nbsp;&nbsp; | <u>/s/ Jeremy Strom&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  | <u>/s/ Jeremy Strom&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  |
|  | Name:  | Jeremy Strom |
|  | Title: | Authorized Officer |

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 Clayton Services LLC ("Clayton") Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2 Clayton Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.3 Clayton Rating Agency ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.4 Clayton ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.5 Clayton Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Conditions Report 2.0

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.7 Clayton Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.8 AMC Diligence, LLC ("AMC") Due Diligence Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.9 AMC Loan Securitization Report Set

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.10 Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.11 Consolidated Analytics Due Diligence Standard Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.12 Consolidated Analytics Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.13 Consolidated Analytics Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.14 Consolidated Analytics Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.15 Consolidated Analytics Supplemental Report

## Exhibit 99.1

![](clayton_logo.gif)

SEMT 2026-1 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### December 22, 2025<br>

### <br>

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

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

---

SEMT 2026-1 Due Diligence Narrative Report Page \| 1 December 22, 2025

------

![](clayton_logo.gif) <br>

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](bullet.gif) | **Chris Turk**<br>| Client Service Manager<br>|
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk</u><u>@clayton.com</u> |
| ![](bullet.gif) | **Joe Ozment** | Director of Securitization<br>|
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

OVERVIEW

On behalf of NewRez, LLC ("NewRez"), Clayton conducted an independent third-party pre-securitization due diligence review of 14 residential loans. The due diligence for NewRez (14 loans) took place between September, 2025 and November, 2025.

Redwood Trust ("Redwood") acquired this diligence through a Reliance Letter purchase and selected these loans for the SEMT 2026-1 transaction.

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 250 residential loans selected for the SEMT 2026-1 transaction. The due diligence for Redwood (250 loans) took place between October, 2025 and December, 2025.

The loans referenced in this narrative report were reviewed at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 21 | 7.95% |
| Correspondent Bulk | 1 | 0.38% |
| Correspondent Flow with delegated underwriting | 3 | 1.14% |
| Correspondent Flow without delegated underwriting | 6 | 2.27% |
| Retail | 233 | 88.26% |
| **Total** | **264** | **100.00%** |

---

SEMT 2026-1 Due Diligence Narrative Report Page \| 2 December 22, 2025

------

![](clayton_logo.gif)

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

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

SAMPLING

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count***<br> ***Reviewed by Clayton*** | ***Scope Applied*** |
| **Full Review** | 264 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 12<br>| Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 276 |  |

---

SPONSOR ACQUISITION CRITERIA

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

------

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

SEMT 2026-1 Due Diligence Narrative Report Page \| 3 December 22, 2025

------

![](clayton_logo.gif)

LOAN GRADING

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

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

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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):<br>

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

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

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

◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify risk evaluation report, which was ordered and received by Clayton for income, employment, Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

<br> - Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

<br> - For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

SEMT 2026-1 Due Diligence Narrative Report Page \| 4 December 22, 2025

------

![](clayton_logo.gif)

◾ Value Supported Analysis

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

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

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

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

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

REGULATORY COMPLIANCE REVIEW<br>

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:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

<br> - Notice of Right to Cancel (Right of Rescission) adherence if applicable;

<br> - TIL Disclosure Timing (3/7/3) and disclosure content;

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

<br> - Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

<br> - Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. <br>

---

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

---

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.<br>

<br> - Prepayment Penalty restrictions.

SEMT 2026-1 Due Diligence Narrative Report Page \| 5 December 22, 2025

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![](clayton_logo.gif)

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.<br>

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;<br>

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

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

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

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

DATA CAPTURE

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

DATA INTEGRITY

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

SEMT 2026-1 Due Diligence Narrative Report Page \| 6 December 22, 2025

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![](clayton_logo.gif)

◾ Tape data received from lender/client is stored in eCLAS;

◾ Loan Reviewer collects validated loan data in eCLAS;

◾ Each received data point is compared to its counterpart collected data point;

◾ Discrepancies found during comparison are stored

DATA COMPARE RESULTS

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Combined LTV | 25 | 90.53% |
| Debt to Income Ratio (Back) | 73 | 72.35% |
| Note Rate | 2 | 99.24% |
| Original Balance | 6 | 97.73% |
| Original LTV | 24 | 90.91% |

---

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

---

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

---

SEMT 2026-1 Due Diligence Narrative Report Page \| 7 December 22, 2025

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![](clayton_logo.gif)

CLAYTON DUE DILIGENCE RESULTS

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

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 122 | 11 | 23 | 52 | **208** |
| **Final** | **B** |  | 15 | 26 | 14 | **55** |
| **Final** | **C** |  |  | 1 <br>|  | **1** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **122** | **26** | **50** | **66** | **264** |

---

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 | 197 | 8 | 13 | 27 | **245** |
| **Final** | B |  | 7 | 8<br>| 4<br>| **19** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **197** | **15** | **21** | **31** | **264** |

---

#### 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 | 244 |  | 3 | 14 | **261** |
| **Final** | B |  |  | 1<br>| 2<br>| **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **244** | **0** | **4** | **16** | **264** |

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

SEMT 2026-1 Due Diligence Narrative Report Page \| 8 December 22, 2025

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#### 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 | 173 | 6<br>| 20 <br>| 27 | **226** |
| **Final** | B |  | 10 | 19 <br>| 8 | **37**<br>|
| **Final** | C |  |  | 1 |  | **1** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **173** | **16** | **40** | **35** | **264** |

---

CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

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

SEMT 2026-1 Due Diligence Narrative Report Page \| 9 December 22, 2025

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APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

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

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

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

<br> - Final loan application was in the loan file and was complete

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

<br> o Employment analyzed and verified through use of various documents, including:

<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

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

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

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<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

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

<br> - Captured and utilized appropriate credit score for guideline review

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

<br> - 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

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

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

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

<br> - Seller contributions did not exceed maximum allowed

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

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

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

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<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

<br> - Reviewed for evidence that any required insurance policy premium was paid

<br> - Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation<br>

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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:

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SEMT 2026-1 Due Diligence Narrative Report Page \| 12 December 22, 2025

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

<br> - 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)

<br> - 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)

<br> - 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

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

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

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

<br> o Appraisal report was reasonably complete and included:

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

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

<br> o Title XI of FIRREA:

<br> - 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

<br> - Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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<br> - Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

<br> o USPAP

<br> - 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.

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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<br> o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

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

<br> - Property usage was reviewed for zoning compliance

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

<br> - Neighborhood values were reviewed to determine if declining

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

&nbsp;&nbsp;&nbsp;&nbsp;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:

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage <br>

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

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

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<br> o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness

<br> o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

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

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;G. Desk Review definitions

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

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

---

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

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SEMT 2026-1 Due Diligence Narrative Report Page \| 15 December 22, 2025

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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.

#### Federal Law

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

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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

<br> o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

---

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

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<br> o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

<br> o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

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

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

---

<br> o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

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

<br> o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

<br> o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

<br> o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. |

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SEMT 2026-1 Due Diligence Narrative Report Page \| 16 December 22, 2025

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

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

&nbsp;&nbsp;&nbsp;&nbsp;**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:

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

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SEMT 2026-1 Due Diligence Narrative Report Page \| 17 December 22, 2025

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&nbsp;&nbsp;&nbsp;&nbsp;**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:

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

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&nbsp;&nbsp;&nbsp;&nbsp;**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:

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

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

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

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

#### GSE Testing
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.) <br>

SEMT 2026-1 Due Diligence Narrative Report Page \| 19 December 22, 2025

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####   <br>

#### Disclaimer
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.

<br>© 2025 Clayton Services LLC. All rights reserved.

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

SEMT 2026-1 Due Diligence Narrative Report Page \| 20<br> December 22, 2025

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-1** |
| **Start - End Dates:** | **9/26/2025 - 12/16/2025** |
| **Deal Loan Count:** | **264** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *264* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 118283 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118285 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118285 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118285 | XXXXX | Original Balance | XXXXX | XXXXX |
| 118285 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118286 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118286 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118290 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023920 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409023920 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023920 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118293 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024266 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024266 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024266 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118299 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118300 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118302 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025319 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118303 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025343 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025351 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025688 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118309 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025733 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025807 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025807 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025807 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409025944 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118316 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118320 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118320 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118321 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026140 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026144 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026144 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118325 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026221 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026251 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026251 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409026251 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409026282 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026282 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118329 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118329 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118330 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118331 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026338 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026353 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026353 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026353 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409026358 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026358 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026358 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118335 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026502 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026502 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118337 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118337 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409026551 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026626 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026626 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026626 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409026626 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118345 | XXXXX | Original Balance | XXXXX | XXXXX |
| 118349 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118357 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118358 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118359 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029024 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409029024 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118365 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029109 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029112 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409029112 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029112 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409029112 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409029122 | XXXXX | Note Rate | XXXXX | XXXXX |
| 118369 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118370 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118370 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118370 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118375 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118375 | XXXXX | Original LTV | XXXXX | XXXXX |
| 118376 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118376 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409029280 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118383 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030253 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030436 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030442 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409030448 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030498 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030501 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409030501 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030562 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030583 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118410 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118413 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118414 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030914 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030916 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118420 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031137 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031139 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031243 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031276 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031279 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031589 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031589 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409031640 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031640 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031640 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409031641 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118444 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031825 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118448 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118448 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032257 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118472 | XXXXX | Original Balance | XXXXX | XXXXX |
| 118238 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118241 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 118241 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032776 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032777 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032939 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032948 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118462 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118466 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 118468 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-1** |
| **Start - End Dates:** | **9/26/2025 - 12/16/2025** |
| **Deal Loan Count:** | **264** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *264* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 118159 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10644 | XXXXX | 6.8343 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 118161 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14312.25 | XXXXX | 6.1083 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXX |
| 118283 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.5172 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118284 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.6501 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118285 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1770 | XXXXX | 6.5221 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118286 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.3416 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118287 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.6648 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118288 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20095 | XXXXX | 6.9032 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409023838 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5009 | XXXXX | 6.1728 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118289 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.7673 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 118290 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.2774 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023920 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.3989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118291 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2270.25 | XXXXX | 6.6558 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118292 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2030.25 | XXXXX | 6.6485 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118293 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12934.55 | XXXXX | 6.1432 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409024266 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.3922 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118294 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2125.25 | XXXXX | 6.8964 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118295 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1090 | XXXXX | 6.5172 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024621 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 6.148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118297 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5215 | XXXXX | 6.8948 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118298 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1725 | XXXXX | 6.9197 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118299 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1875 | XXXXX | 6.2813 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118300 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4586 | XXXXX | 6.3011 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118302 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.5304 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409025319 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.4018 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118303 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 3051 | XXXXX | 6.5348 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409025343 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1725 | XXXXX | 6.5368 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025351 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3065 | XXXXX | 6.272 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118304 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1085 | XXXXX | 6.3902 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409025405 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1515 | XXXXX | 6.6924 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118305 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2045 | XXXXX | 6.9594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 118306 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14627.9 | XXXXX | 6.1208 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025433 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4579 | XXXXX | 6.4045 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118307 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.8939 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025455 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1656.4 | XXXXX | 6.2702 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118308 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1905.25 | XXXXX | 6.4352 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025683 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1340 | XXXXX | 6.2024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025688 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1842.51 | XXXXX | 6.5167 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118309 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15015 | XXXXX | 6.7469 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025733 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2890 | XXXXX | 6.7349 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118310 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1770.25 | XXXXX | 6.4085 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409025807 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.3896 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025910 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 495 | XXXXX | 6.1655 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409025944 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.5288 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118313 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.3004 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118314 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1740 | XXXXX | 6.209 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 118316 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 3898 | XXXXX | 6.2023 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118318 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.3019 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118320 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1545 | XXXXX | 7.0239 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026096 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21615 | XXXXX | 5.835 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 118321 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.6511 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118322 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2400 | XXXXX | 6.9471 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026140 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.6458 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026144 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1160 | XXXXX | 5.8951 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118323 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12752.5 | XXXXX | 6.3509 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 118324 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 6.5565 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118325 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21715 | XXXXX | 6.3327 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118326 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 25070 | XXXXX | 6.2024 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118327 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9870 | XXXXX | 5.8978 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026221 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.3919 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118328 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1845 | XXXXX | 6.4117 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409026251 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2270 | XXXXX | 5.8886 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026282 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2615 | XXXXX | 6.5228 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118329 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.0941 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118330 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1940 | XXXXX | 6.3998 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118331 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.0282 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026338 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.1257 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409026348 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.2633 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026353 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14850 | XXXXX | 6.6001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026358 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.1402 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026361 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1290 | XXXXX | 6.5034 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118333 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.2752 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118334 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5322.91 | XXXXX | 6.1205 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118335 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1925 | XXXXX | 6.159 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 118336 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.5492 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409026502 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 875 | XXXXX | 6.1532 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118337 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1544.95 | XXXXX | 6.6398 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 118338 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2153 | XXXXX | 6.3308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026537 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 30198 | XXXXX | 6.8543 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118339 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.5413 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026551 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5592.73 | XXXXX | 6.2907 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026554 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1245 | XXXXX | 6.3959 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118340 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13300 | XXXXX | 6.4844 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118341 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1990 | XXXXX | 6.9266 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026598 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.4255 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118342 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1579 | XXXXX | 5.7502 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026626 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 18775 | XXXXX | 6.002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026665 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2999 | XXXXX | 6.2036 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118343 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.5196 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 118344 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2350 | XXXXX | 6.6555 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026901 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11330.09 | XXXXX | 5.8168 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118345 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.0313 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118347 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.2667 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118348 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6237.05 | XXXXX | 6.1068 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118349 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2505 | XXXXX | 6.7942 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027013 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 17590 | XXXXX | 6.3475 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118351 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1790 | XXXXX | 6.9002 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118352 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 6.1759 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118353 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12075 | XXXXX | 6.7938 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118354 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5653.52 | XXXXX | 6.9537 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118355 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 45424.69 | XXXXX | 6.3888 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 118357 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12612.35 | XXXXX | 6.6239 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118358 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16665 | XXXXX | 6.4065 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118359 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2106 | XXXXX | 6.1709 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118361 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 118362 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1770 | XXXXX | 6.5363 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028980 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13195 | XXXXX | 5.9819 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 118363 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8000 | XXXXX | 6.3206 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029024 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16855 | XXXXX | 6.5006 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118364 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.3895 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 118365 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.2841 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118366 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 19575 | XXXXX | 6.6704 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118367 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2667.6 | XXXXX | 6.5363 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029109 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1506.5 | XXXXX | 6.7713 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029112 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.0117 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118368 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 5.886 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029122 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.2748 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118369 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.0223 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029130 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14203.4 | XXXXX | 6.5103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118370 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4679.8 | XXXXX | 6.5958 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029134 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 15575 | XXXXX | 6.5162 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 118371 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.39 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118372 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2250.25 | XXXXX | 6.1601 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118373 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 8126.74 | XXXXX | 6.3298 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118375 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2290 | XXXXX | 6.4277 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118376 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2565.25 | XXXXX | 6.1804 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118377 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2100 | XXXXX | 6.2927 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029279 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.1377 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029280 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3135 | XXXXX | 6.4103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118378 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2305 | XXXXX | 6.5505 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118380 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2387 | XXXXX | 6.2587 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118381 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1400 | XXXXX | 6.6794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118382 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.7749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 118383 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 6.2688 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030253 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2345 | XXXXX | 6.6395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118384 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1810 | XXXXX | 7.0169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118385 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3245 | XXXXX | 6.1095 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030436 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 19057.79 | XXXXX | 5.884 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030442 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.513 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030446 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5458 | XXXXX | 6.5785 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030448 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.3978 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030458 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.5122 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030466 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.0548 | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 118406 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.415 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030490 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.5076 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030498 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1820 | XXXXX | 5.8856 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030501 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2821.51 | XXXXX | 6.451 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030525 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.515 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118407 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 100 | XXXXX | 6.383 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118408 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 19295 | XXXXX | 5.6472 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030562 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.6433 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030563 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8976 | XXXXX | 6.1886 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030565 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2352 | XXXXX | 6.2895 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118409 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 845 | XXXXX | 6.8099 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030575 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.1435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409030583 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2465 | XXXXX | 5.7621 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030617 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1140 | XXXXX | 6.3944 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118410 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2215 | XXXXX | 6.5031 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118411 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1845 | XXXXX | 6.6519 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 118412 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2590 | XXXXX | 6.4035 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | XXXXX |
| 118413 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2100 | XXXXX | 6.1658 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030879 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2404 | XXXXX | 6.3666 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030889 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.2761 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030890 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.3916 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030893 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.0398 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030894 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1710 | XXXXX | 6.1483 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118414 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2761 | XXXXX | 6.5549 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118415 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1370 | XXXXX | 6.263 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118416 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.5526 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030913 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.328 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030914 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 6.4 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030916 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.397 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118417 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 7212 | XXXXX | 6.4462 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118418 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.5435 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118419 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3006.4 | XXXXX | 6.4054 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 118420 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11665 | XXXXX | 6.4084 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031136 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1050 | XXXXX | 6.1377 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409031137 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2670 | XXXXX | 6.2842 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031139 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13180 | XXXXX | 6.5397 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118162 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 17481 | XXXXX | 6.7047 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031176 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11982.5 | XXXXX | 6.2888 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118163 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.5208 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409031205 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.5379 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118164 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1948 | XXXXX | 6.361 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409031213 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1850 | XXXXX | 7.132 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118165 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.4629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031243 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.4081 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118166 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.1446 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031263 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.4196 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118167 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1785 | XXXXX | 6.4893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031276 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1735 | XXXXX | 6.5254 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031279 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1210 | XXXXX | 6.2672 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031450 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.0157 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118441 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1868 | XXXXX | 6.795 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409031516 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1875 | XXXXX | 6.5226 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118442 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.3031 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031589 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.1416 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409031594 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.4146 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031606 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3415.25 | XXXXX | 6.5687 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118443 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2103 | XXXXX | 6.7693 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031640 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1050 | XXXXX | 6.1425 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031641 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14676.25 | XXXXX | 6.0279 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118444 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2027.5 | XXXXX | 6.3213 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031689 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.0216 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118445 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.5203 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118446 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.7903 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXX |
| 118447 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1390 | XXXXX | 6.9584 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031825 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1050 | XXXXX | 6.5122 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118448 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10841.75 | XXXXX | 6.5999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118449 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.395 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | XXXXX |
| 118195 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1875 | XXXXX | 6.775 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032257 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2269 | XXXXX | 6.3012 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032268 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.3833 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032378 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1355 | XXXXX | 6.0211 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118457 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 6.3991 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118458 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1870.31 | XXXXX | 6.6727 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118459 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3715 | XXXXX | 6.6798 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 118460 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.0241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118461 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9233.2 | XXXXX | 6.3952 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118462 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.25 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118463 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7567 | XXXXX | 6.0722 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118464 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10000 | XXXXX | 6.2585 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118465 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20799 | XXXXX | 6.7293 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118466 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8994.18 | XXXXX | 6.21 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118467 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 6.915 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 118468 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 30972 | XXXXX | 6.806 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 118469 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1630 | XXXXX | 6.3862 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118470 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 23160.63 | XXXXX | 5.9583 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118471 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2015 | XXXXX | 6.2086 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118472 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 24188.75 | XXXXX | 6.1301 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118473 | QM: Safe Harbor | No | XXXXX | XXXXX | No | Yes | 2932.5 | XXXXX | 6.1658 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118474 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 5.761 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118475 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.1579 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118476 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1945 | XXXXX | 6.1504 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118477 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2982.85 | XXXXX | 6.4024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118478 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.0097 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118479 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4345 | XXXXX | 5.7795 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118480 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.1518 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 118481 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2573 | XXXXX | 6.3915 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118482 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15242.5 | XXXXX | 5.9881 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118483 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1626 | XXXXX | 5.8936 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118484 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 5.8885 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118485 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.2827 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118486 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.0004 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118487 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.3967 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118488 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.2795 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118489 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 5.9033 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118232 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118233 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3061.25 | XXXXX | 6.1572 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118234 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 5.9692 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 118235 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 5.5619 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118236 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.0704 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118237 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 5.018 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118238 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 6.2912 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 118239 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.1535 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118240 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.3999 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118241 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3791.25 | XXXXX | 6.403 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118242 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.2722 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 118243 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.4036 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032776 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 75 | XXXXX | 6.0299 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032777 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1980 | XXXXX | 6.1863 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032939 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1140 | XXXXX | 6.521 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032948 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.1534 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033269 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.3052 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 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. |  |  |  |  |  |

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## Exhibit 99.4

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-1** |
| **Start - End Dates:** | **9/26/2025 - 12/16/2025** |
| **Deal Loan Count:** | **264** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *264* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 118159 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8343 | No | No | 0.597 | 0.597 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.94 | 49.94 | 49.94 | 49.94 | 49.94 | 49.94 | Yes | Yes | Yes | XXXXX | Yes | 360 | Yes | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 34 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118161 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1083 | No | No | 1.067 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.38 | 49.38 | 49.38 | 49.38 | 49.38 | 49.38 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 118283 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5172 | No | Yes | 0.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.35 | 43.31 | 42.35 | 43.31 | 43.31 | 43.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118284 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6501 | Yes | Yes | 0.142 | 0.142 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.85 | 29.82 | 29.85 | 29.82 | 29.82 | 29.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> W2 - 12 months | Award Letter - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118285 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5221 | No | No | 0.181 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.37 | 44.93 | 44.37 | 44.93 | 44.93 | 44.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 10 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118286 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3416 | Yes | Yes | 0.12 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.81 | 14.81 | 14.81 | 14.81 | 14.81 | 14.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Bank Statements - 19 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118287 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6648 | No | No | 0.153 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.49 | 48.51 | 48.49 | 48.51 | 48.51 | 48.51 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 32 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 8 | Yes | Lender Form | 20 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 8 months | Paystub - 32 months;<br> W2 - 24 months;<br> Written VOE - 20 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118288 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9032 | Yes | Yes | 2.151 | 2.151 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.77 | 30.61 | 30.77 | 30.61 | 30.61 | 30.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 8 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 1 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409023838 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1728 | Yes | Yes | 0.389 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.84 | 40.76 | 40.84 | 40.76 | 40.76 | 40.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 32 | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118289 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7673 | No | No | 0.139 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.92 | 46.04 | 48.92 | 46.04 | 46.04 | 46.04 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118290 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2774 | Yes | No | 0.179 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.44 | 42.61 | 43.44 | 42.61 | 42.61 | 42.61 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023920 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3989 | Yes | Yes | 0.155 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.03 | 39.11 | 39.03 | 39.11 | 39.11 | 39.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | Yes | Independent Third Party (The Work Number, Equifax etc) | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 7 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118291 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6558 | Yes | Yes | 0.228 | 0.228 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.05 | 36.06 | 36.05 | 36.06 | 36.06 | 36.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 20 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 20 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118292 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6485 | Yes | Yes | 0.123 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.16 | 24.25 | 22.16 | 24.25 | 24.25 | 24.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118293 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1432 | Yes | Yes | 1.159 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.52 | 29.53 | 29.52 | 29.53 | 29.53 | 29.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 33 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409024266 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3922 | Yes | Yes | 0.127 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.14 | 23.14 | 23.14 | 23.14 | 23.14 | 23.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 19 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 19 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118294 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8964 | Yes | Yes | 0.148 | 0.148 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.65 | 34.64 | 33.65 | 34.64 | 34.64 | 34.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118295 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5172 | Yes | Yes | 0.112 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.15 | 39.82 | 8.15 | 39.82 | 39.82 | 39.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 4 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 4 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024621 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1480 | Yes | Yes | 0.09 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.31 | 24.94 | 26.31 | 24.94 | 24.94 | 24.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 32 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118297 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8948 | No | No | 0.348 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.65 | 49.79 | 49.65 | 49.79 | 49.79 | 49.79 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 45 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 45 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118298 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9197 | No | No | 0.187 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.9 | 49.4 | 48.9 | 49.4 | 49.4 | 49.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 14 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 12 months;<br> Written VOE - 14 months | Award Letter - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118299 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2813 | Yes | Yes | 0.198 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.73 | 29.82 | 29.73 | 29.82 | 29.82 | 29.82 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | Yes | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118300 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3011 | Yes | Yes | 0.546 | 0.546 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.07 | 40.07 | 40.07 | 40.07 | 40.07 | 40.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118302 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5304 | Yes | Yes | 0.246 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.8 | 39.8 | 39.8 | 39.8 | 39.8 | 39.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409025319 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4018 | Yes | No | 0.124 | 0.162 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46 | 38.22 | 46 | 38.22 | 38.22 | 38.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118303 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5348 | Yes | Yes | 0.358 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 21 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 21 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409025343 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5368 | Yes | Yes | 0.173 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.34 | 33.34 | 33.41 | 33.34 | 33.34 | 33.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025351 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Site Condo | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2720 | Yes | Yes | 0.242 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.09 | 30.99 | 31.09 | 30.99 | 30.99 | 30.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118304 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3902 | No | No | 0.088 | 0.088 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.71 | 46.95 | 48.71 | 46.95 | 46.95 | 46.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 31 | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 31 months | Paystub - 31 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409025405 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6924 | No | No | 0.185 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.32 | 47.1 | 49.32 | 47.1 | 47.1 | 47.1 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118305 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9594 | No | No | 0.205 | 0.185 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.65 | 47.41 | 48.65 | 47.41 | 47.41 | 47.41 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118306 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1208 | Yes | Yes | 0.957 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20 | 20.03 | 20 | 20.03 | 20.03 | 20.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025433 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4045 | Yes | Yes | 0.258 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.31 | 40.31 | 40.31 | 40.31 | 40.31 | 40.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 6 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118307 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8939 | Yes | Yes | 0.138 | 0.138 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.51 | 36.55 | 36.51 | 36.55 | 36.55 | 36.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025455 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2702 | Yes | Yes | 0.172 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.73 | 24.73 | 24.73 | 24.73 | 24.73 | 24.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118308 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4352 | Yes | Yes | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.57 | 29.18 | 29.57 | 29.18 | 29.18 | 29.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 32 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025683 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2024 | Yes | Yes | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.91 | 19.87 | 19.91 | 19.87 | 19.87 | 19.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025688 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5167 | Yes | Yes | 0.129 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.48 | 27.75 | 27.48 | 27.75 | 27.75 | 27.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118309 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7469 | No | No | 1.109 | 1.109 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.52 | 43.64 | 43.52 | 43.64 | 43.64 | 43.64 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025733 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7349 | No | Yes | 0.334 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.6 | 43.55 | 41.6 | 43.55 | 43.55 | 43.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 21 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 21 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118310 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4085 | No | No | 0.152 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.03 | 48.49 | 49.03 | 48.49 | 48.49 | 48.49 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025807 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3896 | Yes | Yes | 0.114 | 0.114 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.23 | 34.65 | 34.23 | 34.65 | 34.65 | 34.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025910 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1655 | Yes | Yes | 0.045 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.56 | 30.56 | 30.56 | 30.56 | 30.56 | 30.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409025944 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5288 | Yes | Yes | 0.14 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.28 | 37.04 | 37.28 | 37.04 | 37.04 | 37.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 30 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118313 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3004 | Yes | Yes | 0.148 | 0.495 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.58 | 41.57 | 41.58 | 41.57 | 41.57 | 41.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118314 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2090 | No | No | 0.208 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.92 | 47.06 | 49.92 | 47.06 | 47.06 | 47.06 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118316 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2023 | Yes | Yes | 0.482 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.96 | 15.1 | 17.96 | 15.1 | 15.1 | 15.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118318 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3019 | No | No | 0.159 | 0.159 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.04 | 45.04 | 45.04 | 45.04 | 45.04 | 45.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118320 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0239 | Yes | Yes | 0.155 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.47 | 42.47 | 42.47 | 42.47 | 42.47 | 42.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026096 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8350 | Yes | Yes | 2.135 | 2.135 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.41 | 28.41 | 28.41 | 28.41 | 28.41 | 28.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | Work Visa | Employment Authorization Document | (No Data) | (No Data) |
| 118321 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6511 | Yes | Yes | 0.175 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.27 | 14.26 | 14.27 | 14.26 | 14.26 | 14.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118322 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9471 | Yes | Yes | 0.216 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.59 | 14.69 | 15.59 | 14.69 | 14.69 | 14.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 7 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026140 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6458 | Yes | Yes | 0.075 | 0.075 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.92 | 36.25 | 34.92 | 36.25 | 36.25 | 36.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026144 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8951 | Yes | Yes | 0.137 | 0.137 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.59 | 25.84 | 23.59 | 25.84 | 25.84 | 25.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118323 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3509 | Yes | Yes | 1.005 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.89 | 40.13 | 42.89 | 40.13 | 40.13 | 40.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 118324 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5565 | No | No | 0.155 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.12 | 44.12 | 44.12 | 44.12 | 44.12 | 44.12 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118325 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3327 | Yes | Yes | 2.152 | 2.148 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.12 | 41.11 | 41.12 | 41.11 | 41.11 | 41.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118326 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2024 | No | No | 1.911 | 1.911 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.28 | 43.27 | 43.28 | 43.27 | 43.27 | 43.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118327 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8978 | No | No | 0.906 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.45 | 48.46 | 48.45 | 48.46 | 48.46 | 48.46 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026221 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3919 | Yes | Yes | 0.128 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.13 | 20.03 | 21.13 | 20.03 | 20.03 | 20.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 9 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118328 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4117 | Yes | Yes | 0.202 | 0.186 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36 | 35.18 | 36 | 35.18 | 35.18 | 35.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 20 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 20 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409026251 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8886 | Yes | Yes | 0.17 | 0.170 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.79 | 38.66 | 38.79 | 38.66 | 38.66 | 38.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | Yes | FMNA 1005 | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 36 months | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026282 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5228 | Yes | No | 0.249 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.62 | 30.44 | 60.62 | 30.44 | 30.44 | 30.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118329 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0941 | No | No | 0.131 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.93 | 44.1 | 44.93 | 44.1 | 44.1 | 44.1 | No | No | (No Data) | XXXXX | Yes | 360 | No | Yes | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118330 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3998 | Yes | Yes | 0.161 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.43 | 39.43 | 39.43 | 39.43 | 39.43 | 39.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118331 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0282 | Yes | No | 0.175 | 0.175 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.7 | 37.29 | 49.7 | 37.29 | 37.29 | 37.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026338 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1257 | No | No | 0.099 | 0.099 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.31 | 49.33 | 49.31 | 49.33 | 49.33 | 49.33 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026348 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2633 | Yes | Yes | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.28 | 36.74 | 35.28 | 36.74 | 36.74 | 36.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 9 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 9 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026353 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6001 | Yes | Yes | 1.014 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.16 | 36.43 | 36.16 | 36.43 | 36.43 | 36.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026358 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1402 | Yes | Yes | 0.123 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.24 | 34.24 | 34.24 | 34.24 | 34.24 | 34.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026361 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5034 | Yes | Yes | 0.095 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.78 | 35.97 | 33.78 | 35.97 | 35.97 | 35.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118333 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2752 | Yes | Yes | 0.211 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.73 | 20.3 | 19.73 | 20.3 | 20.3 | 20.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 33 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118334 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1205 | Yes | Yes | 0.516 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.49 | 40.51 | 40.49 | 40.51 | 40.51 | 40.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118335 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1590 | Yes | No | 0.194 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.92 | 39.51 | 43.92 | 39.51 | 39.51 | 39.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 118336 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5492 | No | No | 0.194 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.73 | 45.73 | 45.73 | 45.73 | 45.73 | 45.73 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026502 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1532 | No | No | 0.062 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.97 | 44.83 | 44.97 | 44.83 | 44.83 | 44.83 | No | No | (No Data) | XXXXX | Yes | 360 | No | Yes | No | XXXXX | No | XXXXX | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118337 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6398 | No | No | 0.163 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.88 | 48.88 | 48.88 | 48.88 | 48.88 | 48.88 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118338 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3308 | Yes | Yes | 0.182 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.09 | 42.88 | 42.09 | 42.88 | 42.88 | 42.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026537 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8543 | No | No | 2.644 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.41 | 48.54 | 48.41 | 48.54 | 48.54 | 48.54 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 32 | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118339 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5413 | Yes | Yes | 0.16 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.12 | 36.12 | 36.12 | 36.12 | 36.12 | 36.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026551 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2907 | Yes | Yes | 0.478 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.12 | 12.17 | 12.12 | 12.17 | 12.17 | 12.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026554 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3959 | Yes | Yes | 0.141 | 0.141 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.39 | 37.19 | 37.39 | 37.19 | 37.19 | 37.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118340 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4844 | No | No | 1.126 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.62 | 48.62 | 48.62 | 48.62 | 48.62 | 48.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | 1099 - 12 months;<br> Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118341 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9266 | Yes | Yes | 0.239 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.04 | 37.62 | 39.04 | 37.62 | 37.62 | 37.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | 1099 - 12 months;<br> Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026598 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4255 | No | No | 0.146 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.43 | 48.44 | 48.44 | 48.44 | 48.44 | 48.44 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Lease Agreement - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118342 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7502 | Yes | Yes | 0.117 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.68 | 40.5 | 41.68 | 40.5 | 40.5 | 40.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026626 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0020 | Yes | Yes | 1.903 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.85 | 25.05 | 24.85 | 25.05 | 25.05 | 25.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026665 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2036 | Yes | Yes | 0.316 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.44 | 33.95 | 34.44 | 33.95 | 33.95 | 33.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 33 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | Paystub - 33 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118343 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5196 | Yes | Yes | 0.13 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.8 | 39 | 39.8 | 39 | 39 | 39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 118344 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6555 | Yes | Yes | 0.201 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.82 | 34.82 | 34.82 | 34.82 | 34.82 | 34.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026901 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8168 | Yes | Yes | 0.58 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.99 | 35 | 34.99 | 35 | 35 | 35 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118345 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0313 | Yes | Yes | 0.089 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.95 | 39.95 | 39.95 | 39.95 | 39.95 | 39.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 34 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 34 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118347 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2667 | Yes | Yes | 0.112 | 0.112 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.02 | 33.69 | 34.02 | 33.69 | 33.69 | 33.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | Yes | Independent Third Party (The Work Number, Equifax etc) | 46 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Written VOE - 46 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118348 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1068 | No | No | 0.382 | 0.382 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.64 | 49.54 | 49.64 | 49.54 | 49.54 | 49.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118349 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7942 | Yes | Yes | 0.284 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.13 | 28.65 | 35.13 | 28.65 | 28.65 | 28.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027013 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3475 | Yes | Yes | 1.774 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.16 | 32.17 | 32.16 | 32.17 | 32.17 | 32.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118351 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9002 | Yes | Yes | 0.172 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.04 | 33.92 | 34.04 | 33.92 | 33.92 | 33.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118352 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1759 | Yes | Yes | 0.182 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.83 | 29.83 | 29.83 | 29.83 | 29.83 | 29.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | Yes | 33 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 33 months;<br> W2 - 24 months | Paystub - 33 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118353 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7938 | No | No | 1.269 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.92 | 49.73 | 49.92 | 49.73 | 49.73 | 49.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 33 | Yes | FMNA 1005 | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 12 months;<br> Written VOE - 33 months | W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118354 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9537 | No | No | 0.599 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.73 | 48.73 | 48.73 | 48.73 | 48.73 | 48.73 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months | CPA Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118355 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3888 | No | No | 2.806 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.84 | 49.84 | 49.84 | 49.84 | 49.84 | 49.84 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118357 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6239 | Yes | Yes | 1.253 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.5 | 35.76 | 36.5 | 35.76 | 35.76 | 35.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118358 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4065 | Yes | Yes | 1.689 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.9 | 36.64 | 41.92 | 36.64 | 36.64 | 36.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> P & L Only - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118359 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1709 | Yes | Yes | 0.106 | 0.100 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.38 | 8.19 | 8.38 | 8.19 | 8.19 | 8.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118361 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7501 | No | No | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.94 | 46.31 | 46.94 | 46.31 | 46.31 | 46.31 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118362 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5363 | Yes | Yes | 0.212 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.46 | 36.46 | 36.46 | 36.46 | 36.46 | 36.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028980 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9819 | No | No | 1.288 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.44 | 45.45 | 45.44 | 45.45 | 45.45 | 45.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 16 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 118363 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3206 | Yes | Yes | 0.627 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.54 | 26.81 | 27.54 | 26.81 | 26.81 | 26.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029024 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5006 | Yes | Yes | 1.262 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.11 | 41.11 | 41.11 | 41.11 | 41.11 | 41.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118364 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3895 | No | No | 0.12 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.52 | 48.31 | 48.52 | 48.31 | 48.31 | 48.31 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118365 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2841 | Yes | Yes | 0.151 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.68 | 34.68 | 34.68 | 34.68 | 34.68 | 34.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118366 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6704 | No | No | 2.152 | 2.152 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.32 | 47.7 | 49.32 | 47.7 | 47.7 | 47.7 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Other | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months | 1099 - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118367 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5363 | No | No | 0.231 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.9 | 44.9 | 44.9 | 44.9 | 44.9 | 44.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029109 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7713 | Yes | Yes | 0.138 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.54 | 35.47 | 35.54 | 35.47 | 35.47 | 35.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029112 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0117 | Yes | Yes | 0.097 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.1 | 29.06 | 30.1 | 29.06 | 29.06 | 29.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118368 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8860 | Yes | Yes | 0.098 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.07 | 42.07 | 42.07 | 42.07 | 42.07 | 42.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 8 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 18 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 8 months;<br> Written VOE - 18 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029122 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2748 | Yes | Yes | 0.106 | 0.106 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.73 | 24.73 | 24.73 | 24.73 | 24.73 | 24.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | Yes | 33 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 33 months;<br> W2 - 24 months | Paystub - 33 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118369 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0223 | Yes | Yes | 0.152 | 0.152 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.48 | 41.48 | 41.48 | 41.48 | 41.48 | 41.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 43 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 43 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029130 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5103 | Yes | Yes | 1.335 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.88 | 42.88 | 42.88 | 42.88 | 42.88 | 42.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118370 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5958 | Yes | Yes | 0.515 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.11 | 24.12 | 24.11 | 24.12 | 24.12 | 24.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029134 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5162 | No | No | 1.433 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.98 | 44.98 | 44.98 | 44.98 | 44.98 | 44.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 118371 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3900 | No | No | 0.106 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.59 | 48.68 | 46.59 | 48.68 | 48.68 | 48.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118372 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1601 | Yes | Yes | 0.247 | 0.247 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.76 | 36.76 | 36.76 | 36.76 | 36.76 | 36.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118373 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3298 | Yes | Yes | 0.75 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.16 | 39.07 | 39.16 | 39.07 | 39.07 | 39.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | Yes | Independent Third Party (The Work Number, Equifax etc) | 28 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118375 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4277 | Yes | Yes | 0.232 | 0.232 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.08 | 41.27 | 42.08 | 41.27 | 41.27 | 41.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118376 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1804 | Yes | Yes | 0.297 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.43 | 42.43 | 42.43 | 42.43 | 42.43 | 42.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118377 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2927 | No | No | 0.23 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.37 | 43.23 | 44.37 | 43.23 | 43.23 | 43.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | FMNA 1005 | 21 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029279 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1377 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.74 | 24.62 | 23.74 | 24.62 | 24.62 | 24.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029280 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4103 | Yes | Yes | 0.352 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.23 | 37.23 | 37.23 | 37.23 | 37.23 | 37.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118378 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5505 | Yes | Yes | 0.235 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.92 | 35.81 | 35.92 | 35.81 | 35.81 | 35.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 35 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Award Letter - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118380 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2587 | Yes | Yes | 0.133 | 0.133 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.59 | 36.29 | 36.59 | 36.29 | 36.29 | 36.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118381 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6794 | Yes | Yes | 0.101 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.54 | 39.17 | 40.54 | 39.17 | 39.17 | 39.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118382 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7749 | No | No | 0.174 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.68 | 43.91 | 45.68 | 43.91 | 43.91 | 43.91 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118383 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2688 | Yes | Yes | 0.161 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.28 | 16.07 | 21.28 | 16.07 | 16.07 | 16.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | Yes | Borrower | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> P & L - 7 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030253 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6395 | Yes | Yes | 0.197 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.76 | 38.76 | 38.76 | 38.76 | 38.76 | 38.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118384 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0169 | Yes | Yes | 0.091 | 0.091 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.1 | 24.26 | 24.1 | 24.26 | 24.26 | 24.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118385 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1095 | Yes | Yes | 0.264 | 0.126 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.42 | 39.55 | 40.42 | 39.55 | 39.55 | 39.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030436 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8840 | Yes | Yes | 1.448 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.69 | 42.56 | 38.69 | 42.56 | 42.56 | 42.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 9 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 10 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030442 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5130 | Yes | Yes | 0.106 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.19 | 35.97 | 35.19 | 35.97 | 35.97 | 35.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 20 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 20 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030446 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5785 | Yes | Yes | 0.362 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.35 | 39.41 | 39.35 | 39.41 | 39.41 | 39.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030448 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3978 | No | No | 0.126 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.68 | 49.68 | 49.68 | 49.68 | 49.68 | 49.68 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 32 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030458 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5122 | Yes | Yes | 0.088 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.76 | 38.26 | 37.76 | 38.26 | 38.26 | 38.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030466 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0548 | Yes | Yes | 0.1 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.63 | 18.31 | 18.63 | 18.31 | 18.31 | 18.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 118406 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4150 | Yes | Yes | 0.248 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 60 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 60 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030490 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5076 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.11 | 28.12 | 28.11 | 28.12 | 28.12 | 28.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030498 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8856 | Yes | Yes | 0.073 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.53 | 39.5 | 39.53 | 39.5 | 39.5 | 39.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030501 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4510 | Yes | Yes | 0.28 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.45 | 41.79 | 41.45 | 41.79 | 41.79 | 41.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 32 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030525 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5150 | Yes | Yes | 0.114 | 0.135 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.13 | 30.05 | 34.13 | 30.05 | 30.05 | 30.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118407 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3830 | Yes | Yes | 0.012 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.66 | 34.54 | 34.66 | 34.54 | 34.54 | 34.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118408 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.6472 | No | No | 2.058 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.58 | 47.58 | 47.58 | 47.58 | 47.58 | 47.58 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030562 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6433 | No | No | 0.115 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.01 | 43.7 | 44.01 | 43.7 | 43.7 | 43.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 21 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 21 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030563 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1886 | Yes | Yes | 0.603 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.52 | 32.7 | 32.52 | 32.7 | 32.7 | 32.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030565 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2895 | No | No | 0.156 | 0.156 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.39 | 44.39 | 44.39 | 44.39 | 44.39 | 44.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118409 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8099 | No | No | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.3 | 45.37 | 45.3 | 45.37 | 45.37 | 45.37 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 29 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 29 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030575 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1435 | No | No | 0.143 | 0.143 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.09 | 45.99 | 46.09 | 45.99 | 45.99 | 45.99 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 5 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 5 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030583 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7621 | Yes | Yes | 0.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 5.03 | 5.02 | 5.03 | 5.02 | 5.02 | 5.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030617 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3944 | Yes | Yes | 0.087 | 0.087 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.63 | 42.44 | 42.63 | 42.44 | 42.44 | 42.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 2 months;<br> Business Bank Statements - 2 months | Award Letter - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118410 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5031 | Yes | Yes | 0.252 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.19 | 33.12 | 33.19 | 33.12 | 33.12 | 33.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118411 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6519 | No | No | 0.196 | 0.125 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.16 | 49.16 | 49.16 | 49.16 | 49.16 | 49.16 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Paystub - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118412 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4035 | No | No | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.55 | 47.55 | 47.55 | 47.55 | 47.55 | 47.55 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 118413 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1658 | Yes | Yes | 0.13 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.41 | 35.41 | 35.41 | 35.41 | 35.41 | 35.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | 1099 - 12 months;<br> Award Letter - 1 months;<br> Lease Agreement - 180 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030879 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3666 | Yes | Yes | 0.248 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.04 | 35.02 | 35.04 | 35.02 | 35.02 | 35.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030889 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2761 | No | No | 0.21 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.37 | 43.37 | 43.37 | 43.37 | 43.37 | 43.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 22 | Yes | 32 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 22 months;<br> W2 - 24 months | Paystub - 32 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030890 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3916 | No | No | 0.109 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.16 | 44.16 | 44.16 | 44.16 | 44.16 | 44.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030893 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0398 | Yes | Yes | 0.219 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.35 | 29.74 | 32.35 | 29.74 | 29.74 | 29.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030894 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1483 | Yes | Yes | 0.194 | 0.194 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.93 | 34 | 32.93 | 34 | 34 | 34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118414 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5549 | Yes | Yes | 0.273 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.86 | 32.89 | 32.86 | 32.89 | 32.89 | 32.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118415 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2630 | Yes | Yes | 0.097 | 0.097 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.8 | 33.69 | 33.8 | 33.69 | 33.69 | 33.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 9 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | 1099 - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118416 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5526 | No | No | 0.167 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.85 | 44.85 | 44.85 | 44.85 | 44.85 | 44.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030913 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3280 | Yes | Yes | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.15 | 27.16 | 27.15 | 27.16 | 27.16 | 27.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030914 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4000 | Yes | Yes | 0.171 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.69 | 39.7 | 39.69 | 39.7 | 39.7 | 39.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030916 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3970 | Yes | Yes | 0.172 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.76 | 35.76 | 35.76 | 35.76 | 35.76 | 35.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118417 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4462 | Yes | Yes | 0.759 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.08 | 28.92 | 27.08 | 28.92 | 28.92 | 28.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118418 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5435 | Yes | Yes | 0.255 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.95 | 40.03 | 39.95 | 40.03 | 40.03 | 40.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 33 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118419 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4054 | No | No | 0.27 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.67 | 43.67 | 43.67 | 43.67 | 43.67 | 43.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 20 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 20 months | (No Data) | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 118420 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4084 | Yes | Yes | 0.989 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.81 | 38.81 | 38.81 | 38.81 | 38.81 | 38.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031136 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1377 | Yes | Yes | 0.083 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.05 | 33.05 | 33.05 | 33.05 | 33.05 | 33.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Other | 12 | Yes | Other | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409031137 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2842 | Yes | Yes | 0.261 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41 | 40.92 | 41 | 40.92 | 40.92 | 40.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031139 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5397 | Yes | Yes | 0.706 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.23 | 41.21 | 41.23 | 41.21 | 41.21 | 41.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 10 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118162 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7047 | Yes | Yes | 2.007 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.09 | 21.14 | 21.09 | 21.14 | 21.14 | 21.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Other | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 12 months;<br> W2 - 24 months;<br> Written VOE - 33 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031176 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2888 | Yes | Yes | 1.285 | 1.285 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.79 | 41.78 | 41.79 | 41.78 | 41.78 | 41.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 51 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 51 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118163 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5208 | No | No | 0.155 | 0.155 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.74 | 49.14 | 47.74 | 49.14 | 49.14 | 49.14 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 12 months;<br> Written VOE - 33 months | Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031205 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5379 | No | No | 0.173 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.63 | 43.52 | 43.63 | 43.52 | 43.52 | 43.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118164 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3610 | No | No | 0.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.81 | 45.36 | 44.81 | 45.36 | 45.36 | 45.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409031213 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1320 | Yes | Yes | 0.144 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.96 | 24.96 | 24.96 | 24.96 | 24.96 | 24.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118165 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4629 | Yes | Yes | 0.128 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.84 | 39.94 | 39.84 | 39.94 | 39.94 | 39.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 240 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 33 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031243 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4081 | Yes | Yes | 0.099 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.21 | 42.21 | 42.21 | 42.21 | 42.21 | 42.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | Yes | 33 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 33 months;<br> W2 - 24 months | Paystub - 33 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118166 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1446 | Yes | Yes | 0.127 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.94 | 23.53 | 23.94 | 23.53 | 23.53 | 23.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031263 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4196 | Yes | Yes | 0.133 | 0.133 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.27 | 40.1 | 40.27 | 40.1 | 40.1 | 40.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Paystub - 33 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118167 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4893 | No | No | 0.121 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.31 | 48.32 | 48.31 | 48.32 | 48.32 | 48.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031276 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5254 | Yes | Yes | 0.216 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21 | 38.44 | 21 | 38.44 | 38.44 | 38.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031279 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2672 | Yes | Yes | 0.138 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.63 | 22.78 | 22.63 | 22.78 | 22.78 | 22.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031450 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0157 | Yes | Yes | 0.119 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.62 | 13.62 | 13.62 | 13.62 | 13.62 | 13.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Personal Tax Return - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118441 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7950 | No | No | 0.174 | 0.167 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.03 | 46.91 | 47.03 | 46.91 | 46.91 | 46.91 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031516 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5226 | Yes | Yes | 0.152 | 0.152 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.98 | 32.24 | 32.98 | 32.24 | 32.24 | 32.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118442 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3031 | Yes | Yes | 0.117 | 0.114 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.53 | 32.27 | 32.53 | 32.27 | 32.27 | 32.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 12 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Award Letter - 1 months;<br> Business Tax Return - 12 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031589 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1416 | Yes | Yes | 0.099 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.01 | 38.01 | 38.01 | 38.01 | 38.01 | 38.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409031594 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4146 | Yes | Yes | 0.102 | 0.102 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.26 | 25.66 | 24.26 | 25.66 | 25.66 | 25.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031606 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5687 | No | No | 0.312 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.99 | 48.99 | 48.99 | 48.99 | 48.99 | 48.99 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118443 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7693 | Yes | Yes | 0.123 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.44 | 31.68 | 31.44 | 31.68 | 31.68 | 31.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 58 | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 58 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031640 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1425 | Yes | Yes | 0.121 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.25 | 37.48 | 38.25 | 37.48 | 37.48 | 37.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031641 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Mid Rise Condo (5-8) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0279 | Yes | Yes | 1.503 | 0.151 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.64 | 26.33 | 26.64 | 26.33 | 26.33 | 26.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118444 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3213 | Yes | Yes | 0.196 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.44 | 32.02 | 32.44 | 32.02 | 32.02 | 32.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031689 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0216 | Yes | Yes | 0.148 | 0.158 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.3 | 42.3 | 42.3 | 42.3 | 42.3 | 42.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118445 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5203 | Yes | Yes | 0.135 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.19 | 41 | 40.19 | 41 | 41 | 41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118446 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7903 | No | No | 0.166 | 0.154 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.7 | 45.95 | 46.7 | 45.95 | 45.95 | 45.95 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 118447 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Mid Rise Condo (5-8) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.9584 | No | No | 0.135 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47 | 46.67 | 47 | 46.67 | 46.67 | 46.67 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 20 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 20 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031825 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5122 | Yes | Yes | 0.073 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.66 | 42.66 | 42.66 | 42.66 | 42.66 | 42.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118448 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5999 | Yes | Yes | 0.975 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.34 | 32.5 | 34.34 | 32.5 | 32.5 | 32.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 34 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118449 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3950 | No | No | 0.138 | 0.138 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | Yes | FMNA 1005 | 27 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | Work Visa | Employment Authorization Document | (No Data) | (No Data) |
| 118195 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7750 | Yes | Yes | 0.131 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.09 | 33.56 | 36.09 | 33.56 | 33.56 | 33.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032257 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3012 | Yes | Yes | 0.153 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.49 | 34.34 | 33.49 | 34.34 | 34.34 | 34.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032268 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3833 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.2 | 35.2 | 35.2 | 35.2 | 35.2 | 35.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 26 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 31 months | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032378 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0211 | No | No | 0.116 | 0.118 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.23 | 43.07 | 43.23 | 43.07 | 43.07 | 43.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118457 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3991 | Yes | Yes | 0.114 | 0.114 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.95 | 39.01 | 38.95 | 39.01 | 39.01 | 39.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118458 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6727 | No | No | 0.198 | 0.158 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.18 | 47.93 | 49.18 | 47.93 | 47.93 | 47.93 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118459 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6798 | No | No | 0.429 | 0.556 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.88 | 45.41 | 47.88 | 45.41 | 45.41 | 45.41 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 118460 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0241 | Yes | Yes | 0.12 | 0.120 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.73 | 35.64 | 35.73 | 35.64 | 35.64 | 35.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Lender Form | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118461 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3952 | Yes | Yes | 0.753 | 0.493 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.62 | 31.62 | 31.62 | 31.62 | 31.62 | 31.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 8 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 24 months;<br> P & L - 8 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118462 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2500 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.88 | 37.94 | 41.88 | 37.94 | 37.94 | 37.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118463 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0722 | Yes | Yes | 0.616 | 0.616 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.46 | 36.21 | 36.64 | 36.21 | 36.21 | 36.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118464 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2585 | Yes | Yes | 0.911 | 0.911 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.46 | 38.48 | 38.46 | 38.48 | 38.48 | 38.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118465 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7293 | Yes | Yes | 2.161 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.67 | 32.68 | 32.67 | 32.68 | 32.68 | 32.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118466 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2100 | Yes | Yes | 0.676 | 0.676 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.96 | 10.37 | 15.96 | 10.37 | 10.37 | 10.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 19 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 19 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118467 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9150 | Yes | Yes | 0.193 | 0.193 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.42 | 41.42 | 41.42 | 41.42 | 41.42 | 41.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 118468 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8060 | Yes | No | 1.774 | 1.774 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.59 | 40.33 | 43.59 | 40.33 | 40.33 | 40.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 118469 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3862 | Yes | Yes | 0.097 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.86 | 39.87 | 39.86 | 39.87 | 39.87 | 39.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118470 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9583 | Yes | Yes | 0.817 | 0.817 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.2 | 30.2 | 30.2 | 30.2 | 30.2 | 30.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118471 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2086 | Yes | Yes | 0.215 | 0.220 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.74 | 42.89 | 42.74 | 42.89 | 42.89 | 42.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Offer Letter - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118472 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1301 | Yes | Yes | 1.364 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.98 | 33.8 | 34.98 | 33.8 | 33.8 | 33.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118473 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1658 | Yes | Yes | 0.311 | 0.311 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.66 | 30.17 | 29.66 | 30.17 | 30.17 | 30.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118474 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7610 | Yes | Yes | 0.092 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.73 | 26.72 | 26.73 | 26.72 | 26.72 | 26.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118475 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1579 | No | No | 0.149 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.07 | 43.05 | 43.07 | 43.05 | 43.05 | 43.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118476 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1504 | Yes | Yes | 0.16 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20 | 19.64 | 20 | 19.64 | 19.64 | 19.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118477 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4024 | Yes | Yes | 0.249 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.34 | 36.97 | 37.34 | 36.97 | 36.97 | 36.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118478 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0097 | Yes | Yes | 0.081 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.18 | 22.13 | 22.18 | 22.13 | 22.13 | 22.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118479 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7795 | Yes | Yes | 0.243 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.69 | 20.74 | 20.69 | 20.74 | 20.74 | 20.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118480 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1518 | Yes | Yes | 0.194 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29 | 29.44 | 29 | 29.44 | 29.44 | 29.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 118481 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3915 | Yes | Yes | 0.147 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.8 | 40.7 | 40.8 | 40.7 | 40.7 | 40.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118482 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9881 | Yes | Yes | 1.194 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.67 | 19.67 | 19.67 | 19.67 | 19.67 | 19.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118483 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8936 | Yes | Yes | 0.127 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.48 | 38.48 | 38.48 | 38.48 | 38.48 | 38.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118484 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8885 | No | No | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.56 | 44.56 | 44.56 | 44.56 | 44.56 | 44.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118485 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2827 | Yes | Yes | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.16 | 25.43 | 26.16 | 25.43 | 25.43 | 25.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118486 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0004 | Yes | Yes | 0.153 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.76 | 29.75 | 29.76 | 29.75 | 29.75 | 29.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 32 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | Paystub - 32 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118487 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3967 | Yes | Yes | 0.092 | 0.092 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.73 | 34.73 | 34.73 | 34.73 | 34.73 | 34.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 32 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118488 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2795 | Yes | Yes | 0.129 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.01 | 21.01 | 21.01 | 21.01 | 21.01 | 21.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118489 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9033 | Yes | Yes | 0.192 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.66 | 36.66 | 36.66 | 36.66 | 36.66 | 36.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 32 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118232 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0250 | Yes | Yes | 0.148 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.3 | 41.3 | 41.3 | 41.3 | 41.3 | 41.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118233 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1572 | Yes | Yes | 0.271 | 0.271 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.82 | 21.82 | 21.82 | 21.82 | 21.82 | 21.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Lender Form | 32 | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118234 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9692 | Yes | Yes | 0.141 | 0.033 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.1 | 40.89 | 41.1 | 40.89 | 40.89 | 40.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 118235 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.5619 | No | No | 0.143 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.88 | 44.88 | 44.88 | 44.88 | 44.88 | 44.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118236 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0704 | Yes | Yes | 0.221 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.99 | 31.99 | 31.99 | 31.99 | 31.99 | 31.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118237 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0180 | Yes | Yes | 0.198 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.09 | 23.08 | 23.09 | 23.08 | 23.08 | 23.08 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | Yes | 28 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Lease Agreement - 12 months;<br> Paystub - 32 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Paystub - 28 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118238 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2912 | Yes | Yes | 0.15 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.43 | 25.43 | 29.43 | 25.43 | 25.43 | 25.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118239 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1535 | Yes | Yes | 0.138 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.36 | 40.36 | 40.36 | 40.36 | 40.36 | 40.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 13 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118240 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3999 | No | No | 0.183 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.3 | 44.01 | 43.4 | 44.01 | 44.01 | 44.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 120 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 120 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118241 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4030 | Yes | Yes | 0.438 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.88 | 19.88 | 19.88 | 19.88 | 19.88 | 19.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118242 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2722 | Yes | Yes | 0.133 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28 | 28.12 | 28 | 28.12 | 28.12 | 28.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118243 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4036 | Yes | Yes | 0.137 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.38 | 40.8 | 42.38 | 40.8 | 40.8 | 40.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 33 months;<br> W2 - 24 months | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032776 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0299 | Yes | Yes | 0.007 | 0.007 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.81 | 26.3 | 26.81 | 26.3 | 26.3 | 26.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032777 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1863 | Yes | Yes | 0.211 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.65 | 42.29 | 41.65 | 42.29 | 42.29 | 42.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032939 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5210 | Yes | Yes | 0.11 | 0.523 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.55 | 37.02 | 37.55 | 37.02 | 37.02 | 37.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032948 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1534 | Yes | Yes | 0.145 | 0.145 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.99 | 38.99 | 38.99 | 38.99 | 38.99 | 38.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033269 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3052 | Yes | Yes | 0.129 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.55 | 32.41 | 32.55 | 32.41 | 32.41 | 32.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 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. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.5

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-1** |
| **Start - End Dates:** | **9/26/2025 - 12/16/2025** |
| **Deal Loan Count:** | **264** |
| **Valuations Summary** |  |
| *Loans In Report:* | *264* |

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|  |  |  |  |  | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **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**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 118159 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118161 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118283 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118284 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118285 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118286 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118287 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118288 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409023838 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118289 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118290 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409023920 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118291 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118292 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118293 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024266 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | (No Data) |
| 118294 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118295 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024621 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118297 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118298 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118299 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118300 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118302 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025319 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118303 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025343 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409025351 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118304 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409025405 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118305 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (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% | XXXXX |
| 118306 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409025433 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118307 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (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% | XXXXX |
| 409025455 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118308 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409025683 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409025688 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118309 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409025733 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118310 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025807 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025910 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409025944 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118313 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118314 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118316 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118318 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118320 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026096 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118321 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118322 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026140 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026144 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118323 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118324 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118325 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118326 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 118327 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026221 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118328 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026251 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026282 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118329 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 118330 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118331 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026338 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026348 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026353 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026358 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026361 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118333 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118334 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118335 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118336 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026502 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118337 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118338 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409026537 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118339 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026551 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026554 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118340 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118341 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026598 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118342 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026626 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026665 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118343 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118344 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409026901 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118345 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118347 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118348 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118349 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409027013 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118351 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118352 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118353 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118354 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118355 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118357 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118358 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118359 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118361 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118362 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409028980 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118363 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029024 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118364 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |
| 118365 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118366 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118367 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409029109 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409029112 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118368 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409029122 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118369 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029130 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118370 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409029134 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118371 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118372 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118373 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118375 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118376 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118377 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029279 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029280 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (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% | XXXXX |
| 118378 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118380 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118381 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118382 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118383 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030253 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118384 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118385 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030436 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030442 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030448 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409030458 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030466 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118406 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030490 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409030498 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030501 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030525 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118407 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118408 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030562 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030563 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030565 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118409 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030575 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030583 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030617 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118410 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118411 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118412 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118413 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409030879 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030889 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030890 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030893 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030894 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118414 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118415 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118416 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409030913 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409030914 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030916 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118417 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118418 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118419 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118420 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409031136 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031137 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409031139 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118162 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409031176 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118163 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031205 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118164 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409031213 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118165 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409031243 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118166 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031263 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118167 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031276 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031279 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031450 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118441 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031516 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118442 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (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% | XXXXX |
| 409031589 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031594 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031606 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118443 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031640 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409031641 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118444 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 409031689 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118445 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118447 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031825 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118448 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118449 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118195 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409032257 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032268 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032378 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118457 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 118458 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118459 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118460 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118461 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118462 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 118463 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118464 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118465 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118466 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118467 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118468 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118469 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118470 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118471 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118472 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118473 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118474 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118475 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118476 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118477 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118478 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 118479 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118480 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118481 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118482 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118483 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118484 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118485 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118486 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118487 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118488 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118489 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118232 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118233 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118234 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118235 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118236 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118237 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118238 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118239 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 Data) |
| 118240 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118241 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118242 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 118243 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409032776 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409032777 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032939 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032948 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (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% | XXXXX |
| 409033269 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **Client Project Name:** | **SEMT 2026-1** | **SEMT 2026-1** |  |
| **Start - End Dates:** |  | **9/26/2025 - 12/16/2025** | **9/26/2025 - 12/16/2025** |  |
| **Deal Loan Count:** |  | **264** |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** |  | *264* |  |  |
| ***Loans with Conditions:*** | ***Loans with Conditions:*** | *192* |  |  |
| **3 - Total Active Conditions** | **3 - Total Active Conditions** | **3 - Total Active Conditions** |  |  |
|  | **2 - Material Conditions** | **2 - Material Conditions** | **2 - Material Conditions** |  |
|  |  |  | 2 - Compliance Review Scope | 2 - Compliance Review Scope |
|  |  |  |  | 1 - Category: Right of Rescission |
|  |  |  |  | 1 - Category: TILA/RESPA Integrated Disclosure |
|  | **1 - Non-Material Conditions** | **1 - Non-Material Conditions** | **1 - Non-Material Conditions** |  |
|  |  |  | 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  |  |  |  | 1 - Category: Property |
| **319 - Total Satisfied Conditions** | **319 - Total Satisfied Conditions** |  |  |  |
|  |  |  | 84 - Credit Review Scope | 84 - Credit Review Scope |
|  |  |  |  | 6 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  |  | 1 - Category: Application |
|  |  |  |  | 15 - Category: Assets |
|  |  |  |  | 8 - Category: Credit/Mtg History |
|  |  |  |  | 6 - Category: DTI |
|  |  |  |  | 21 - Category: Income/Employment |
|  |  |  |  | 8 - Category: Insurance |
|  |  |  |  | 4 - Category: Legal Documents |
|  |  |  |  | 13 - Category: Terms/Guidelines |
|  |  |  |  | 2 - Category: Title |
|  |  |  | 21 - Property Valuations Review Scope | 21 - Property Valuations Review Scope |
|  |  |  |  | 20 - Category: Appraisal |
|  |  |  |  | 1 - Category: Value |
|  |  |  | 214 - Compliance Review Scope | 214 - Compliance Review Scope |
|  |  |  |  | 8 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  |  | 7 - Category: Compliance Manual |
|  |  |  |  | 7 - Category: Documentation |
|  |  |  |  | 1 - Category: Federal Consumer Protection |
|  |  |  |  | 4 - Category: Finance Charge Tolerance |
|  |  |  |  | 14 - Category: RESPA |
|  |  |  |  | 6 - Category: Right of Rescission |
|  |  |  |  | 1 - Category: State Consumer Protection |
|  |  |  |  | 2 - Category: Texas Home Equity |
|  |  |  |  | 164 - Category: TILA/RESPA Integrated Disclosure |
| **44 - Total Waived Conditions** | **44 - Total Waived Conditions** |  |  |  |
|  |  |  | 22 - Credit Review Scope | 22 - Credit Review Scope |
|  |  |  |  | 2 - Category: Application |
|  |  |  |  | 7 - Category: Assets |
|  |  |  |  | 4 - Category: Credit/Mtg History |
|  |  |  |  | 2 - Category: Income/Employment |
|  |  |  |  | 4 - Category: Insurance |
|  |  |  |  | 2 - Category: Terms/Guidelines |
|  |  |  |  | 1 - Category: Title |
|  |  |  | 2 - Property Valuations Review Scope | 2 - Property Valuations Review Scope |
|  |  |  |  | 2 - Category: Appraisal |
|  |  |  | 20 - Compliance Review Scope | 20 - Compliance Review Scope |
|  |  |  |  | 1 - Category: Documentation |
|  |  |  |  | 3 - Category: RESPA |
|  |  |  |  | 16 - Category: Right of Rescission |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

------

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-1** |
| **Start - End Dates:** | **9/26/2025 - 12/16/2025** |
| **Deal Loan Count:** | **264** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *264* |
| ***Loans with Conditions:*** | *192* |

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| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 118159 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have $xxx. Required reserves are xxx months x $xxx= $xxx and xxx months for departure x $xxx = $xxx. Total required reserves are $xxx.<br>|
| 118161 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years at job<br>|
| 118161 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | xxx deposit xxx in xxx# xxx, page xxx combined file. Page xxx combined file reflects the source is a xxx xxx from xxx# xxx.Provide xxx months statements for #xxx, meeting xxx, to fully xxx these xxx. Subject to asset recalc and may be subject to additional conditions upon review. | 11.25.2025 Client provided xxx verifying CD balance as of xxx $xxx that was used to transfer to #xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years at job<br>|
| 118161 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide updated valuation meeting guidelines supporting appraised value; xxx score does not support value. May be subject to additional conditions upon review | 11.17.2025 Client provided xxx party xxx valuation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years at job<br>|
| 118283 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect xxx xxx form type was used instead of xxx type. | 11/18/25 Client provided an approved exception for using incorrect xxx form | 11/18/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxxreserves; $xxx\*xxx= $xxxreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 118284 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing the subject note. Unable to validate xxx payment. | 11/12/25 Client provided a duplicate copy of the previous Note dated xxx. Condition remains. Provide the fully executed Note for the subject transaction on xxx.12/1 Client provided the Note | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC195 | Missing Note | No | Missing Note dated xxx | 11/12/25 Client provided a duplicate copy of the previous Note dated xxx. Condition remains. Provide the fully executed Note for the subject transaction on xxx.12/01/25 Client provided the Note for the subject transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect xxx xxx Form Used in Refinance with xxx xxx | 10/30/2025 Client provided an exception approval for using incorrect xxx form | 10/30/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118285 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Triggered due to missing Note. | 11/12/25 Client provided a duplicate copy of the previous Note dated xxx. Condition remains. Provide the fully executed Note for the subject transaction on xxx.12/01/25 Client provided the Note for the subject transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118286 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | COCs in file dated xxx and xxx are missing corresponding disclosures. | 11/21/2025 Client provided missing CD xxx with COC and Rate lock. Condition remains.xxx Client provided the missing xxx COC package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score<br>|
| 118286 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $xxx as Transfer Taxes increased on CD xxx without a valid COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 11/21/2025 Client provided missing CD xxx with xx and Rate lock. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score<br>|
| 118286 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR171 | Subject Photos Unacceptable | No | Subject has xxx above grade bathrooms; xxxreflects photos of xxx.Appraiser to provide photos of all 3 above grade bathroom photos, reflecting completion of each bathroom. May be subject to additional conditions upon review. | 11/21 Client provided an updated appraisal xxx with all photos signed xxx | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score<br>|
| 118287 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | DTI | Satisfied<br> B<br> A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI of xxx% exceed guideline maximum of xxx% | 11.12.2025 Client provided updated xxx and lender income calculation used for now considering xxx income for xxx of $xxx using xxx xxx xxx month average. File have paystubs and Written xxx however no history of receipt of xxx income for Year xxx. Condition remains: (a). xxx other pay income on end of year xxx paystub says xxx xxx xxx and Written xxx in file reflecting having no xxx for Year xxx, provide the documentation for Year xxx that supports xxx receipt or Lender to clarify the other xxx of xxx xxx that Lender is using on their worksheet as xxx and (b). file was xxx Approved, will need updated xxx with updated income (will need to clarify also regarding xxx xxx/xxx as xxx) for final calculation of bonus income and (c). updated xxx to include the updated income. xxx income calculation still under review, due to missing evidence of Year xxx xxx as xxx xxx. 11.20.2025 Client provided updated xxx with updated xxx including xxx income of $xxx and updated DTI of xxx%; however other requested documentation was not provided to xxx no xxx in xxx Condition remains for (previously requested), (a). xxx other pay income on end of xxx paystub says xxx Pay and Written xxx in file reflecting having no xxx for xxx xxx , provide the documentation for xxx xxx that supports xxx receipt or xxx to xxx the other xxx of xxx Pay that xxx is using on their worksheet as xxx. xxx income calculation still under review, due to missing evidence of Year xxx xxx, currently reflect xxx xxx xxx xxx income and xxx xxx DTI still need adjusting after receipt of requested documentation per xxx .11.21.2025 Client provided xxx documentation for xxx supporting xxx xxx income appears to be one of same as xxx income, xxx xxx average for monthly $xxx is being used for qualifying for an updated DTI xxx%; updated xxx xxx previously was provided to reflect this additional xxx income. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 have been on current job for xxx years and xxx months.<br>|
| 118288 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD reflects a Disbursement Date prior to the end of the Rescission period. Lender to provide proof of a later Disbursement via Final xxx/Settlement Statement and corrected Post/Funding CD. Or, if the loan disbursed prior to the ROR expiration date, please reopen rescission to all titleholders with dates allowing for method of delivery. | 10/23/25 Client provided an xxx and xxx PCCD reflecting a later Disbursement Date of xxx. Condition remains. Provide the stamped/signed Final xxx/Settlement Statement for review.10/27/25 Client provided the stamped Final Refinance Statement reflecting Disbursement on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has been xxx for xxx years, xxx has xxx years with xxx .<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>|
| 409023838 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower xxx has xxx years with current xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower1 has xxx years in line of work.<br>|
| 118289 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx = $ xxx+ xxx Months for Additional xxxor $ xxxX xxx = $ xxx<br>|
| 118290 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | Compliance | Federal Consumer Protection | Satisfied<br> B<br> A | CMPFDCP4395 | Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed. | No | Missing Flood Certification | 11.25.2025 Client provided copy of Flood Certificate Document, flood xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months PITI<br>|
| 118290 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing ATR/QM Determination | 11.25.2025 Client provided Lender QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months PITI<br>|
| 118290 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide documentation from xxx xxx on how xxx is paid. xxx is decreasing | 12.3.2025 Client provided Lender LOX however additional documentation is required to consider prior years bonus, currently DTI is xxx% with using declining YTD xxx xxx. Condition remains, if unable to provide additional documentation from xxx, xxx will need to be xxx for monthly of $xxx and DTI of xxx%, due to declining and unable to determine if more bonus will be xxx coming for Year xxx DTI and xxx income still under review for final calculation, depending on documentation that will be provided from xxx12.10.2025 Client provided a blur illegible copy of a paystub for xxx for calculation of xxx income however not clear/legible. Condition remains for a clear legible copy of the xxx for calculation of monthly xxx that will be used for qualifying. Upon receipt xxx income calculation is still under review for final DTI calculation. 12.15.2025 Client provided updated Post dated xxx xxx (for xxx) verifying current xxx receipt of xxx income, xxx income updated using the lowest of all with an updated DTI of xxx %; using YTD xxx divided by xxx is the lowest and supports an DTI of xxx% | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months PITI<br>|
| 118290 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification | 11.25.2025 Client provided copy of Flood Certificate Document, flood xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months PITI<br>|
| 409023920 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant | No | Per Disclosure Tracking Details, List of homeowners counseling organizations was provided to borrower on xxx; however, the list is missing from the file. | 11/25/25 Client provided the full xxx xxx List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: xxx has additional xxx that was not used in qualifying.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>|
| 118291 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Missing Closing Disclosure signed at consummation | 10/31/2025 Client provided a Duplicate xxx PCCD signed by Borrowers. Condition remains. Documents in file were executed xxx, prior to xxx. Provide evidence that the Title Holders received xxx CD at closing. Additional conditions may apply. 11/04/25 Client provided the signed copy of the Final CD (CD xxx Signed xxx). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds minimum fico of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified assets $xxx /xxx sufficient to cover reserve requirements $xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max of xxx%.<br>|
| 118291 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | Right of Rescission | Satisfied<br> B<br> A | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date on form xxx is prior to end of rescission period, earliest expiration date should be xxx. Disbursement date xxx | 10/31/2025 Client provided a Duplicate xxx PCCD signed by Borrowers. Condition remains. Documents in file were executed xxx, prior to xxx. Provide evidence that the Title Holders received xxx CD at closing. Additional conditions may apply. 11/04/25 Client provided the signed copy of the Final CD (CD xxx Signed xxx). Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds minimum fico of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified assets $xxx /xxx sufficient to cover reserve requirements $xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max of xxx%.<br>|
| 118291 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect xxx xxx Form Used in Refinance with Original Creditor | 10/27/2025 Client provided an exception approval for using incorrect xxx form | 10/27/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds minimum fico of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified assets $xxx /xxx sufficient to cover reserve requirements $xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max of xxx%.<br>|
| 118291 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $xxx as xxx Cert Fees increased on CD xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/31/2025 Client provided a Duplicate of xxx xxx reflecting xxx xxx fee added. Condition remains. Provide details for a valid reason why the fee was increased after Initial Disclosure.11/12/25 Client provided an Email xxx dated xxx from the Seller stating: Regarding the fee increase - We had to go back to xxx direct and re-request the xxx Cert. Condition remains. The xxx still does not provide a valid change in circumstance for the fee increases on xxx. Please provide additional details/explanation for what "change" occurred to validate the fees increasing on xxx. Subject to re-review.11/17/25 Client provided another Email xxx, dated xxx, from the seller stating Per the xxx website there was an additional fee for the xxx Cert re-request. Condition remains. This is not a valid change in circumstance explanation. Borrower is due a refund of $xxx, PCCD with cure, xxx and proof of delivery that includes tracking information.11/20/25 Client provided an xxx LOE and PCCD for the $xxx refund. Condition remains. Provide a copy of the $xxx refund check and proof of delivery that includes tracking information.11/21/2025 Client provided an In Transit shipping label. Condition remains. Provide a copy of the $xxx refund check. 11/21/25 Client provided the $xxx refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds minimum fico of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified assets $xxx /xxx sufficient to cover reserve requirements $xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max of xxx%.<br>|
| 118291 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs were e-signed by borrower and CD xxx was e-signed by both borrower and non-borrowing spouse however, there is no prior e-sign consent in file. Provide e-Consent for all titleholders. | 10/31/2025 Client provided screen reprint reflecting both Accepted Consent for e-delivery dated Borrower xxx and Non-Borrower xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds minimum fico of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified assets $xxx /xxx sufficient to cover reserve requirements $xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max of xxx%.<br>|
| 118291 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR4789 | Appraisal Deficiency | No | 1. Page 1: "xxx ;Subject was sold on xxx for $xxx. xxx2. Page 2: "xxx $xxx xxx xxx"Appraiser to address / correct the above discrepancy. May be subject to additional conditions upon review. | 10.31.2025 Client provided updated appraisal correcting $xxx to $xxx however Year still differ, xxx page says sold xxx (Year xxx) and xxx page says prior sale was xxx (Year xxx) and per Final xxx Borrower have owned subject over one year and per xxx report support the same being subject sold as of xxx year xxx. Appears xxx page Year xxx (xxx) should be Year xxx; appears to comment or correct; still discrepancy difference noted (regarding Year xxx xxx page vs Year xxx xxx page) 11/3 Client provided a corrected appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds minimum fico of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified assets $xxx /xxx sufficient to cover reserve requirements $xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max of xxx%.<br>|
| 118292 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | 11/20/25 Client provided the missing, Initial xxx LE. Per the xxx COC in file, provide the missing Revised LE after the Rate Lock (separated from xxx). | 11/21/25 Client provided the missing xxx LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 118292 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 118292 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date is xxx and earliest LE in file is dated xxx. Missing initial LE disclosed to borrowers within xxx days of application. | 11/10/25 Client provided a xxx for the xxx Disclosure Package showing delivery on xxx Condition remains. The file is missing a copy of this xxx LE. Also, per the xxx , a Revised LE was issued after the xxx Rate Lock. Provide the missing, Initial xxx LE and the Revised LE after the xxx Lock.11/12/25 Client provided a duplicate copy of the xxx xxx Cert. Condition remains. The file is missing a copy of the Initial xxx LE. Also, per the xxx, a Revised LE was issued after the xxx Rate Lock. Provide the missing, Initial xxx LE and the Revised LE after the xxx Lock.11/20/25 Client provided the Initial xxx LE package. Refer to xxx for the missing Revised LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 118292 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing individual xxx xxx-In Policy for subject property, xxx xxx verifying $xxx payment monthly. | 11.10.2025 Client provided Lender LOX stating, I believe the master policy contains xxx in- we are unable to impound monthly if the master covers it. Response, initial condition is pertaining to the xxx reflecting monthly payment of $xxx a month for HOI, condition remains for the policy that supports this monthly payment of $xxx that is being used on xxx11.17.2025 Client provided updated xxx removing monthly HOI of $xxx ; no HOI documented to supported this monthly HOI of $xxx ; HOI have sufficient xxx in coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 118292 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing HUDI or Final CD from the sale of xxx verifying xxx xxx and xxx xxx /xxx xxx xxx paid off. | 11.7.2025 Client provided executed HUD-1 Settlement statement with payoff of existing xxx with Borrower/Seller netting proceeds on HUD-1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 118293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 409024266 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 12/01/2025 Client provided missing Homeowners Counseling Organization List dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409024266 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | 11.26.2025 Client provided Lender xxx w/QM xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 118294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years xxx months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx is below max dti per guideline of xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxxin assets exceeds required reserves of $xxx.<br>|
| 118295 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure/ FACTS missing in file | 12/10/25 Client provided a signed LOE from Lender stating they have no affiliated business xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline requirement of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in the same profession for xxx years<br>|
| 118295 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | None of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline requirement of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in the same profession for xxx years<br>|
| 118295 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE xxx were emailed to borrowers but a prior e-consent is missing in file. | 12/05/2025 Client provided a xxx Certificate reflecting consent on xxx by both. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline requirement of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in the same profession for xxx years<br>|
| 409024621 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $xxx due to Appraisal xxx fee was not included into calculation. Condition is pending receiving a PCD, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/17/25 Client provided an xxx PCCD, LOE to borrower, $xxx xxx check and Final xxx Statement. Condition remains for the proof of delivery (tracking required).11/19/25 Client provided the proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>|
| 409024621 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charge understated by $xxx due to Appraisal xxx fee was not included into calculation. Condition is pending receiving a PCD, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/17/25 Client provided an xxx PCCD, LOE to borrower, $xxx xxx check and Final xxx Statement. Condition remains for the proof of delivery (tracking required).11/19/25 Client provided the proof of delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>|
| 118297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxRequired:xxx months PITIA for two financed xxx: xxxx xxx = xxx+ xxx months PITIA for subject Met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Note date xxxxxx Drive report reflects xxx on retained xxx xxx Does not meet below guides:'Deed-In-xxx, Short xxx, xxx-xxx , and Charge-Off of a xxx Account: xxx year waiting period is required from the completion date as reported on the credit report or other documents' | 11.21.2025 Client provided Lender LOX regarding the xxx listed on xxx Report, Lender LOX along with documentation supports no pre xxx and do agree with Lender LOX and documentation, this xxx is also listed on xxx of xxx as still owning and credit report reflect no xxx history for the prior and current mtg. Note: this is a xxx and possibly xxx report got it xxx with another xxx in that xxx. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxRequired:xxx months PITIA for two financed xxx: xxxx xxx = xxx+ xxx months PITIA for subject Met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118297 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | DU AUS DTI: xxx%xxx DTI: xxx%Due to > xxx difference - provide updated xxx findings with updated higher DTI. Subject to review and may be subject to additional conditions. | 11/13 Client provided an Email. on review DTI xxx income recalculated DTI xxx | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxRequired:xxx months PITIA for two financed xxx: xxxx xxx = xxx+ xxx months PITIA for subject Met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118298 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application date xxx HCO in file is dated xxx outside the xxx day timeframe. | 12/01/2025 Client provided missing Homeowners Counseling Organization List dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx verified assets is sufficient to cover required reserves xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months at xxx exceeds program minimum of xxx months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Over xxx months xxx consumer debt exceeds guidelines of xxx months.<br>|
| 118298 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application xxx and initial LE in file is dated xxx. Greater than the required xxx days. | 12/01/2025 Client provided the missing Initial LE xx xwith Disclosure tracking for delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx verified assets is sufficient to cover required reserves xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months at xxx exceeds program minimum of xxx months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Over xxx months xxx consumer debt exceeds guidelines of xxx months.<br>|
| 118299 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD reflects a Disbursement Date prior to the end of the Rescission period. Lender to provide proof of a later Disbursement via Final xxx/xxx Statement and corrected Post/Funding CD. Or, if the loan disbursed prior to the xxx expiration date, please reopen rescission to all titleholders with dates allowing for method of delivery. | 11/17/25 Client provided a stamped Final Closing Statement reflecting Disbursement on xxx. Condition remains for a copy of the Final (Post) CD reflecting the Closing Statement changes.11/20/25 Client provided an xxx PCCD reflecting the funding changes. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx%CLTV below guideline requirements of xxx% per program<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months xxx in reserves.<br>|
| 118299 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect xxx H-8 Form Used in Refinance with Original Creditor | 11/7/2025 Client provided an exception approval for using incorrect xxx form | 11/7/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx%CLTV below guideline requirements of xxx% per program<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months xxx in reserves.<br>|
| 118300 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Right of Rescission | Satisfied<br> B<br> A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR in file. | 11/20/25 Client provided the signed Customer's Statement of Non-Rescission which acknowledges that 3 xxx days have elapsed since the date of transaction and borrower did not exercise their right to cancel the transaction. Condition remains. The Notice of Right to Cancel form is still required. Provide the fully executed ROR form.11/24/25 Client provided the fully executed ROR. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has lived at current residence for xxx years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization is xxx%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrower has had no derogatory mortgage history in past xxx years, xxxmonths reviewed.<br>|
| 118300 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Right of Rescission | Satisfied<br> D<br> A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing a copy of fully executed ROR in file. | 11/20/25 Client provided the signed Customer's Statement of Non-Rescission which acknowledges that 3 business days have elapsed since the date of transaction and borrower did not exercise their right to cancel the transaction. Condition remains. The Notice of Right to Cancel form is still required. Provide the fully executed ROR form.11/24/25 Client provided the fully executed ROR. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has lived at current residence for xxx years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization is xxx%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrower has had no derogatory mortgage history in past xxx years, xxxmonths reviewed.<br>|
| 118302 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Application | Satisfied<br> D<br> A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing copy of xxx Resident (xxx Card) for xxx. | 12.1.2025 Client provided front and back copy of xxx card with xxx date of xxx for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xx% CLTV below guideline requirements of xx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xx%.<br>|
| 409025319 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118303 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | The Right of Rescission in the file is a version H-xxx, per the Title Commitment, the previous Lender wasxxx xxx. Incorrect xxxform was used for refinance with the same lender. | 11/11/25 Client provided an approved exception was using incorrect xxxform | 11/11/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxRequired:xxx months PITIA, met<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 118303 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $xxxdue to added CDA fee on CD xxx with no valid reasons documented on COCxxx. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 11/21/25 Client provided an xxx PCCD with cure, $xxxrefund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxRequired:xxx months PITIA, met<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409025343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $xxx due to Title Closing Coordination fee was not included into calculation. Condition is pending receiving PCD, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/19/25 Client provided a corrected xxx PCCD, $xxx refund check, LOE and proof of shipment (out for delivery today xxx). Condition remains. Cure for a primary refinance requires reopening rescission to all title holders. Provide the new RORs to all title holders with proof of delivery and ROR to reflect extended Expiration Date at least xxx days after the confirmed delivery date.12/04/25 Client provided the new ROR form with proof of Delivery on xxx (Expired xxx). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSET Post Close Assets are $xxx or xxx months of PITIAGuidelines require 6 months or $ xxx X xxx = $ xxx<br>|
| 409025343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charge understated by $xxx due to Title Closing Coordination fee was not included into calculation. Condition is pending receiving PCD, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/19/25 Client provided a corrected xxx PCCD, $xxx refund check, LOE and proof of shipment (out for delivery today xxx). Condition remains. Cure for a primary refinance requires reopening rescission to all title holders. Provide the new RORs to all title holders with proof of delivery and ROR to reflect extended Expiration Date at least xxx days after the confirmed delivery date.12/04/25 Client provided the new ROR form with proof of Delivery on xxx (Expired xxx). | Condition Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSET Post Close Assets are $xxx or xxx months of PITIAGuidelines require 6 months or $ xxx X xxx = $ xxx<br>|
| 409025351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing income and credit documents. Income : xxx documentation required to complete income calculation, xxx: file is also missing documentation regarding property reflected on xxx xxx xxx,xx xreport owned since xxxwhether is subject to mortgage who is making the applicable payments and whether property is subject to xxx. File presented property xxx for xxx | 11/21 Client provided evidence the Borrower no longer owns xxx Condition remains for xxxdocumentation required to complete income calculation, 12.1.2025 Client provided duplicate (in file) xxxand xxxs along with xxxand xxx xxx price of $xxxhowever do not appear to be the xxxDay moving average of xxxprice of xxx. Lender used a price of $xxxper share for xxx Day moving. Condition remains for the xxxday moving average share price of xxxused by lender. 12/3 Client provided the xxxdays moving avg as of xxxsupporting $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has xxx and xxx months at current xxx<br>|
| 409025351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2302 | Missing Required Income Documentation | No | Missing : 1 - xxxand xxxyear end paystubs to verify xxxincome. 2 - Vesting schedule reflecting past and future vesting.3- xxxor bank xxxshowing receipt of previous year(s) distribution and at a minimum the number of xxx shares or cash equivalent. xxx Moving average of share price reflecting the $xxxper share used by lender. | 11/25 Client provided an xxxthat all items were in the file and paystubs are not needed since xxxand xxxshow xxx; Response xxxwill be reviewed in xxx of paystubs on receipt of missing xxxitems above which were not found in file; Provide all other missing items for review12.1.2025 Client provided duplicate (in file) paystub and xxxs along with vesting Schedule and xxx.com xxx price of $xxx however do not appear to be the xxx Day moving average of xxx price of xxx. Lender used a price of $xxx per share for xxx Day moving. Condition remains for the xxx day moving average share price of xxx used by lender. xxxincome calculation still under review. 12/3 Client provided the xxx days moving avg as of xxx supporting $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has xxx and xxx months at current xxx<br>|
| 409025351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER3490 | Missing Patriot Act form | No | Patriot Act missing from file. | 11.21.2025 Client provided executed Patriot Act for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has xxx and xxx months at current xxx<br>|
| 409025351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Appraisal report is missing from file. | 11.20.2025 Client provided appraisal dated xxx with value of $xxx with appraiser xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has xxx and xxx months at current xxx<br>|
| 409025351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR100 | Missing Appraisal | No | Appraisal completed by xxxeffective date xxx with Value $xxxas reflected on xxx is missing from file. | 11.20.2025 Client provided appraisal dated xxx with value of $xxx with appraiser xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has xxx and xxx months at current xxx<br>|
| 409025351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing Updated valuation Missing Collateral Desktop Analysis (CDA) ordered from Clear Capital or a Consolidated Collateral Analysis (CCA) from Consolidated Analytics as required by the guidelines to support appraisal value of $XXX due to CU score of XXX | 11.19.2025 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance however file is missing appraisal for review of CDA, in addition appears this is for Unit #3 and CDA do not reflect Unit #3, currently condition remains for appraisal to support what address is being used on appraisal, subject is Unit #3. 11.20.2025 Client provided appraisal dated 10.10.2025 with value of $XXX with appraiser XXX, CDA provided supports value with 0.0% tolerance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has xxx and xxx months at current xxx<br>|
| 409025351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Value | Satisfied<br> D<br> A | PRVAVALU3872 | Missing Initial Valuation Product | No | Appraisal missing from loan file. CDs in loan file confirm borrowers were charged xxxfees for xxxappraisals. Page xxxhas a Condominium/Attached PUD Lender warranty that exempts property from review. Unable to determined if the appraisal is needed based on this information. Need to see if lender can provide a copy of appraisal if required. | 11.20.2025 Client provided appraisal dated x xxwith value of $xxxwith appraiser xxx xxx and provided xxxparty xxxvaluation supporting value however Lender to clarify the xxxappraisal fees on Final CD. Appraisal Fee $xxxand Second Appraisal Fee $xxx(do not specify paid to whom). Lender to clarify if this Second Appraisal Fee of $xxxwas paid to x for xxx parxxty xxxvaluation 11/21 Client provided evidence No second appraisal was ordered and the additional fee was refunded | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx has xxx and xxx months at current xxx<br>|
| 118304 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing evidence that the Revised LE dated xxx was received xxx day prior to the Initial CD dated xxx. | 10/29/2025 Client provided LE xxx with Doc xxx e-sign Certificate. LE was sent and signed xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV IS xxx% below the xxx% maximum guideline requirement.<br>|
| 118304 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $xxx for zero tolerance fees. A xxx was added to the Revised LE dated xxx | 10/29/2025 Client provided a copy of the Interest rate Lock dated xxx however it does not provide the reason for the fee. Condition remains. Provide a COC detailing the reason for the addition of the Appraisal xxx or a PCCD with cure, copy of the check, LOE to Borrowers and evidence of delivery via tracking.11/04/2025 Client provided COC xxx reflecting xxx Report required by the xxx with missing LE xxx. Also provided a duplicate of the lock LE xxx. Condition remains. Provide more information detailing why the xxx required this report. 11/07/2025 Explanation per lender xxx: The xxx was required by xxx xxx. Please see the condition below. Once ordered, we redisclosed to add the necessary fee. Condition xxx: 08/06/2025 xxx TO xxx - Provide a xxx (xxx) from acceptable company and meeting the following value tolerances: xxx% Condition Remains. Provide a COC reflecting the reason the xxx xxx required the xxx to be ordered, for review. Additional Conditions may apply. 11/18/25 Client provided a response stating xxx score was xxx so we needed a xxx (screenshot of guidelines provided). Corresponds with the xxx UCDP in file. Remaining cure of $xxx was provided on the PCCD in file prior to xxx. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV IS xxx% below the xxx% maximum guideline requirement.<br>|
| 409025405 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative Credit Scorexxx<br>|
| 118305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx department and xxx xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Both borrowers have xxx years with current xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>|
| 118305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $xxx due to added Rush fee $xxx, added Insurance tracking fee $xxx, added Appraisal Rent Schedule fee $xxx and HOA Cert fee increased by $xxxon CD xxx with no valid reasons documented on COC xxx Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/17/25 Client provided a duplicate copy of the xxx COC in file. Condition remains. The COC does not provide a valid change in circumstance explanation. Borrower is due a refund of $xxx, PCCD with cure, LOE and proof of delivery that includes tracking information.xxx Client provided a xxx PCCD with cure, $xxxrefund check for both the Zero and Ten Percent tolerance violations, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Both borrowers have xxx years with current xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>|
| 118305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten percent tolerance of $xxx due to increase in xxx recording fees on CD xxx from $xxx to $xxx with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/12/25 Client provided a xxx PCCD with cure, $xxx refund check for both the Zero and Ten Percent tolerance violations, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Both borrowers have xxx years with current xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>|
| 118306 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITIA available in reserves; xxx months required.<br>|
| 409025433 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 118307 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E-signed. No evidence E consent was provided. Missing E consent. | 11/21/25 Client provided the Blend Compliance Report reflecting the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 118307 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE xx x method of receipt E-signed. No evidence E consent was provided. Missing E consent. | 11/21/25 Client provided the Blend Compliance Report reflecting the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409025455 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Doc Prep fee increased from initial LE $xxxto final LE $xxx section B. Fee is subject to zero tolerance. COC issued 10/06 does not list fee amount or give sufficient details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $xxx w/ Proof of Delivery. | 11/24/25 Client provided a duplicate copy of the 1xxx COC and xxx6 LE. Condition remains. Lender to provide further explanation for change from xxx to xxx and how it relates to an increased Doc xxx fee in xxx Subject to re-review.11/26/2025 Client provided additional comment of increase of the doc xxx reason was due to the loan changing from Rate/Term to xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xx% DTI is below guideline maximum of xx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>|
| 118308 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing xxx months Verification of xxx | 11.21.2025 Client provided xxx satisfactory payment history from xxx - present, however xxx of late payments past due xxx in the last xxx months is xxx, however reflect no for xxx in xxx and xxx for xxx is satisfactory. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 118308 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Waived<br> C<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date xxx is greater than the transaction date of xxx. Per final CD disbursement date is xxx Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 409025683 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Provide missing Affiliated Business Disclosure/ FACTS disclosure. | 11/24/25 Client provided an LOE from Lender stating they no longer have an xxxas they sold their only affiliate (insurance). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx%DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITI in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxMedian FICO >xxxpoints above guideline program minimum of xxx.<br>|
| 409025683 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Texas Home Equity | Satisfied<br> C<br> A | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Adjusted Charges$xxxTotal Loan Amount$xxxMaximum Charges %xxx%Maximum Charges$xxxCharges Margin to Threshold$xxxTotal Charges %xxx%Missing xxx/ xxxdisclosure in file to obtain Undiscounted Rate for further testing. | 11/24/25 Client provided the xxxreport reflecting a Starting/Undiscounted Rate of xxx%. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx%DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITI in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxMedian FICO >xxxpoints above guideline program minimum of xxx.<br>|
| 409025683 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | The xxx Transmittal Risk Assessment shows xxx, DU, Approve/Ineligible. In addition, the requested program is xxx xx xxx. Provide the missing xxx# xxx for this loan. | 11/21 Client provided xxx supporting the approval | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx%DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITI in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxMedian FICO >xxxpoints above guideline program minimum of xxx.<br>|
| 409025683 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation or xxxxxxwith CU score < xxxor Collateral Desktop Analysis (xxx) supporting appraised value $xxx. | 11/21 Client provided xxxwith a corresponding xxxscore of xxxsupporting the appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx%DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITI in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxMedian FICO >xxxpoints above guideline program minimum of xxx.<br>|
| 409025688 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409025688 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | A xxx xxx report shows a state tax xxx filed on xxx for $xxx . File is missing verification this tax lien has been paid and released. | 11.18.2025 Client provided copy of xxx Transcript however still missing evidence of state xxx of $xxx being paid (xxx xxx xxx). Condition remains 11.20.2025 Client provided copy of a check and bill payment verifying paid $xxx on xxx xxx of xxx however will need to verify xxx xxx #xxx have been cleared/satisfied, in addition unable to determine if this is one of same as initial condition xxx xxx (appears to be) and no evidence of check clearing, etc. Condition remains to verify xxx #xxx have been satisfied. 11/21 Client provided an approved exception to allow the posted check $xxx as sufficient evidence the taxes were paid. (no evidence of lien on title or credit) | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409025688 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | File is missing verification of the existence of borrowers xxx verified through a xxx xxx and no more than thirty (xxx) calendar days prior to the Note date. xxx filings provided in the file are not dated. | 11.19.2025 Client provided xxx for xxx (xxx) with xxx xxx stating initial xxx date xxx however print date of document says xxx; unclear on xxx initial xxx date of xxx when the print date of document is dated post close. Initial condition remains 11.20.2025 Client provided xxxx for xxx xxx) x xxx dated xxx by xxx xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409025688 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing xxx xxx tax transcripts. | 11.18.2025 Client provided copy of xxx xxx Transcript | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409025688 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Borrower used assets from a xxx account for xxx. xxx bank statements show multiple xxx which are not allowed by client guidelines. Exception form in file, however it is not approved. | 11.17.2025 Client provided exception approval for xxx xxx statements reflecting multiple xxx which are not allowed per guidelines. | Upon further review by xxx exception is deemed non-material. Exception approved, B Grade with compensating factors: DTI xxx%, xxx score xxx and been in xxx for xxx years | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 118309 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliated Business Disclosure | 11/10/25 Client provided an LOE stating this was a xxx loan purchased by xxx from a xxx under their Certified Loan xxx. xxx xxx that an xxx is only required when an Affiliate relationship exists between the Lender and any xxx involved. In this case, there isn't one. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been owner of current xxx for xxx years.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has had timely mortgage payments. xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had no derogatory or delinquent credit history. xxx<br>|
| 409025733 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing sufficient asset documentation to validate cash to close and reserve requirements. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score; xxx required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in profession; xxx has xxx years.<br>|
| 409025733 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations in file is dated xxx and application date is xxx. List not provided within xxx days of application. | 11/24/25 Client provided the xx xxx List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score; xxx required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in profession; xxx has xxx years.<br>|
| 409025733 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score; xxx required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in profession; xxx has xxx years.<br>|
| 409025733 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | $xxx documented assets in file. $xxx required to close. | 11.21.2025 Client provided duplicate (in file) xxx documentation along with xxx xxx receipt of $xxx which is same amount as reflected on Final CD for funds to close, currently no xxx credit given | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score; xxx required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in profession; xxx has xxx years.<br>|
| 409025733 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $xxx documented assets in file. $xxx required to close. | 11.21.2025 Client provided duplicate (in file) xxx documentation along with xxx xxx receipt of $xxx which is same amount as reflected on Final CD for funds to close, currently no xxx credit given. Condition remains for evidence of sufficient reserves being verified for this transaction 11/24 Client provided xxx xxx additional assets meeting reserves | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score; xxx required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in profession; xxx has xxx years.<br>|
| 409025733 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Unable to determine amount of coverage. HOI documentation in file is missing page xxx. | 11/24 Client provided insurance Dec page | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score; xxx required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in profession; xxx has xxx years.<br>|
| 409025733 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | HOI documentation in file is missing xxx of xxx. Missing amount of coverage. | 11/24 Client provided insurance Dec page | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx qualifying score; xxx required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in profession; xxx has xxx years.<br>|
| 118310 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of xxxGuidelines require xxx months or $ xxx X xxx = $xxx+ xxx Months for Additional REO or $ xxx X xxx = $ xxx<br>|
| 118310 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | No COC found in file to justify the addition of the Inspection Fee in the amount of $xxx was added to LE xxx without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 11/18/25 Client provided a missing xxx COC (printed xxx) reflecting the Appraisal validation for the Inspection Fee (Appraisal completed subject-to on xxx). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of xxxGuidelines require xxx months or $ xxx X xxx = $xxx+ xxx Months for Additional REO or $ xxx X xxx = $ xxx<br>|
| 409025807 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 11/28/2025 Client provided an exception approval for using incorrect ROR form | 11/28/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is xxx%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had no derogatory credit history, xxxmonths reviewed.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in line of work for xxxyears.<br>|
| 409025910 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>|
| 409025944 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing xxx returns, | 10/24 Client provided the xxx returns | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409025944 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409025944 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | xxx and xxx reflecting $xxx in assets from sale of real estate and departing home located at xxx being associated to this balance and sold. xxx- File is missing purchase and sale agreement and closing statement reflecting $xxx due to seller for the sale of xxx xxx. This would satisfy xxx#xxx documentation to omit xxxxxx- File presents settlement statement for sale of xxx taking place on xxx. Missing recent statement reflecting current balance of those proceeds funds received in xxx | 11/12 Client provided xxx the FINAL HUD from dale of xxx; still missing xxx- File presents settlement statement for sale of xxx taking place on xxx. Missing recent statement reflecting current balance of those proceeds funds received in xxx. 11.17.2025 Client provided duplicate Final xxx-xxx from xxx of xxx with payoff of xxx and Borrower/xxx xxx $xxx and regarding sale of xxx xxx in file that reflect sold as of xxx (over a year ago) and file have tax year xxx Substitute form xxx Proceeds from real estate transaction for this property xxx & #xxx with gross proceeds of $xxx (pg. xxx), appears xxx have an input net xxx of $xxx; Lender to provided xxx that supports this net xxx, appears sale of xxx net xxx is $xxx however closed after our subject transaction. Condition remains to (a). support net xxx of $xxx (in xxx or remove), in addition (b). xxx. closed on xxx and subject Note date is xxx; net proceeds from xxx cannot be used for this transaction and (c). xxx xxx payment $xxx was not included in subject DTI, was omitted from DTI however property sold a month after subject transaction, should be included in DTI and full xxx to be verified and included in DTI, DTI is xxx% without this monthly payment on xxx 11.25.2025 Client provided updated xxx removing xxx xxx from xxx of a prior xxx sold in xxx and provided xxx xxx xxx xxx using xxx balance due to loan closed mid xxx) statement verifying assets of $xxx with removing the old sale of xxx proceeds and DTI include the monthly PITIA of $xxx for xxx for updated DTI of xxx% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409025944 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | File presents xxx 's only for xxx xxx and xxx and is missing the xxx tax returns for xxx. Per xxx #xxx waiver to provide xxx tax returns only if meeting xxx xxx.xxx, and borrower individual xxx shows increase in xxx xxx AND borrower paying the down payment and closing costs with own funds. xxx was used. | 10/24 Client provided the xxx returns supporting qualifying xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 118313 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx we are satisfying to xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>|
| 118313 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Condition added upon receipt of Lender requesting adjustment/updating xxx xxx (a). Missing Lender updated xxx using $xxx for xxx income vs $xxx (submission #xxxis in file) and (b). provide Lender updated Final xxx to reflect the same (xxx income of $xxx vs $xxx | 12.1.2025 Client provided Lender updated xxx showing xxx income of $xxx vs $xxx however still missing the updated xxx reflect the same. Condition remains for updated xxxx reflecting the same monthly xxx income of $xxx12.5.2025 Client provided updated xx xxx#xxx with xxx income of $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>|
| 118314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Provide (a) or (b) below for xxx returns used to qualify loan. May be subject to additional conditions upon review.Guides:"xxx (if applicable) must be complete with all schedules and must be (a) signed and dated. In xxx of a signature, (b) business transcripts for the corresponding year may be provided on or before the closing date" | 11.12.2025 Client provided duplicate income documentation (in file) however initial condition is for missing signed dated OR xxx transcripts for xxx xxx xxx and xxx xxx xxx & xxx for xxx xxx, income documentation in file however not signed/dated. Transcripts provided are not xxx transcripts, they are personal transcripts. Condition remains 11.24.2025 Client provided xxx signed post close dated xxx for both xxx: xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: xxx has owned current business for xxx years<br>|
| 118316 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 118318 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $xxx due to increase in Appraisal fee on LE xxx with no valid reasons documented on COC xxx (fee updated per invoice is not a valid reason). Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/17/25 Client provided a duplicate copy of the xxx COC. Condition remains. The xxx violation was triggered due to the increased Appraisal Fee without a valid change in circumstance reason/explanation on the xxx COC in file. Lender to provide documentation from the time of the change to validate the increased Appraisal fee, OR provide borrower with a $xxx refund, PCCD with cure, LOE and proof of delivery that includes tracking information.12/12/25 Client provided a xxx PCCD with cure, $xxx refund check for both the Zero and Ten Percent tolerance violations, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guideline minimum xxx by xxx points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months xxx reviewed exceeds guideline of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx /xxx xxx in verified funds is sufficient to cover required reserves $xxx.<br>|
| 118318 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten percent tolerance in amount of $xxx due to increase in Recording fee on initial CD xxx with no valid reasons documented on COC xxx(fee updated per title is not a valid reason for this increase). Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/17/25 Client provided a duplicate copy of the xxx COC. Condition remains. The xxx violation was triggered due to the increased Appraisal Fee without a valid change in circumstance reason/explanation on the xxx COC in file. Lender to provide documentation from the time of the change to validate the increased Appraisal fee, OR provide borrower with a $xxx refund, PCCD with cure, LOE and proof of delivery that includes tracking information.12/12/25 Client provided a xxx PCCD with cure, $xxx refund check for both the Zero and Ten Percent tolerance violations, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guideline minimum xxx by xxx points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months xxx reviewed exceeds guideline of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx /xxx xxx in verified funds is sufficient to cover required reserves $xxx.<br>|
| 118320 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxxor xxxmonth PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score<br>|
| 409026096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated xxx is not signed and there is no evidence in file of when it was delivered to borrowers. Provide proof of borrowers receipt of initial CD min xxx days prior to closing. | 11/24/25 Client provided the xxx CD (2:52pm), the Disclosure Tracking Summary and Additional comments from seller explaining the xx xCD ''That has a note that xxxCopy of CD to send to Title - not actual disclosure form. Do not send to the member. Those test or title versions are supposed to be scrubbed from the doc folder, but it looks like that was missed. The only disclosures that would have been provided to the borrower are the ones that show up on the Disclosure tracking page. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower xxx years at current employment<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower xxx years at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>|
| 409026096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing xxx for both borrowers within xxx days prior note date; both also must meet NON xxx guidelines. May be subject to additional conditions upon review. | 11.20.2025 Client provided work number VVOE dated xxx for both borrowers covering over xxx years with current xxx for NON xxx. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower xxx years at current employment<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower xxx years at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>|
| 118321 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 12/08/25 Client provide a signed xxx from Lender stating they do not have affiliated xxx xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx + xxx $xxx\*xxx= $xxx reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been xxx in their profession for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx mo. xxx mortgage payment history; xxx required.<br>|
| 118321 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD xxx - section Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending LOX with corrected PCD to borrower. | 12/15/25 Client provided an xxx to borrower and corrected xxx PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx + xxx $xxx\*xxx= $xxx reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been xxx in their profession for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx mo. xxx mortgage payment history; xxx required.<br>|
| 118322 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower very conservative credit user; minimal outstanding debt.<br>|
| 409026140 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 12/10/25 Client provided the missing xxx List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx%.<br>|
| 409026140 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | Final CD xxx - Escrow section, You will not have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment is Null. Condition is pending LOX with corrected PCD to borrower. | 12/10/25 Client provided an xxx to borrower and corrected xxx PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx%.<br>|
| 409026144 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 12/10/25 Client provided a signed xxx from Lender stating they are not affiliated with any other entities. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer, xxx years in the same field.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx%.<br>|
| 118323 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation xxx designates the xxx rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the xxx form. Regulation xxxx has language allowing the use of a substantially similar notice. xxx view has been that an xxx protects the lender and assignee to at least the same extent as an H9, but xxx recognized that one could think that the mere existence of the xxx takes away the substantially similar notice argument. The xxx that have opined on the issue have upheld the use of an xxx in a same-lender refinance; therefore, xxx grades the use of an xxx form in a same-lender refinance as a level B condition. | (No Data) | xxx Initial & Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITIA in reserves.<br>|
| 118324 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing copy of mortgage statement verifying PITI of $xxx (includes taxes/insurance) | 11.20.2025 Client provided copy of Mortgage statement verifying xxx of $xxx (include taxes/insurance) + xxx of $xxx (in file verified) using $xxx for departure home xxx payment (same as xxx of Lender xxx) and provided the xx/Taxes and xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months xxx<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx months xxx on current mortgage<br>|
| 118325 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC5551 | Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests | No | No closing disclosures were provided. | 12/03/25 Client provided the missing Initial CD and Final CD. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guideline minimum xx by xxx points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx/xxx funds is sufficient to cover required reserves $xxx<br>|
| 118325 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC5553 | Missing sufficient documentation to determine High Cost Fees and APR Limits | No | No closing disclosures were provided. | 12/03/25 Client provided the missing Initial CD and Final CD. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guideline minimum xx by xxx points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx/xxx funds is sufficient to cover required reserves $xxx<br>|
| 118325 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 12/03/25 Client provided a signed LOE from Lender stating they have no affiliate business relationships. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guideline minimum xx by xxx points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx/xxx funds is sufficient to cover required reserves $xxx<br>|
| 118325 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3496 | TRID - Closing Disclosure Missing | No | No closing disclosures were provided. | 12/03/25 Client provided the missing Initial CD and Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guideline minimum xx by xxx points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx/xxx funds is sufficient to cover required reserves $xxx<br>|
| 118326 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOE for B2 not xxx | 11.26.2025 Client provided xxx for xxx dated xxxNote: xxx verified with xxx (xxxworks for B1 xxx) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current xxx since xxx xxx years<br>|
| 118326 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide supporting evidence of $xxx other income used for xxx | 12/5 Client provided evidence of xx xxx xxx $xxx used to qualify and is supported | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current xxx since xxx xxx years<br>|
| 118326 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINC2408 | Income verification does not meet guidelines | No | Missing xxx xxx for xxx , and xxx transcript and xxx xxx. xxx months required | 11.26.2025 Client provided duplicate (in file) x xx Transcript however nothing pertaining to initial condition was provided. Initial condition remains 12.1.2025 Client provided Lender LOX stating, xxx will issue a message permitting only one year of personal xxx tax returns, etc. Response, Agree however file was not reviewed to DU AUS, program is xxx xxx (not xxx) and appears one year xxx is required (for xxx xxx xxx) due to being xxx over xxxx years xxx% and YTD xxxxx xin file supporting income however B2 works for B1 xxx and two years xxx and Transcripts are required. File have xxx andxxx Transcript, missing xxx xxx xxx and x xx Transcripts. Condition remains: missing xxx 0 and xxx Transcript for xxx due to xxx working for xxx xxx12/4 Client provided an approved exception to allow the file without the xxx xxx and transcripts | Upon review by xxx Condition is a Non Material B grade; Borrower credit score exceeds min required , Low LTV strong reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current xxx since xxx xxx years<br>|
| 118327 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $xxx available in reserves; $xxx in reserves required.<br>|
| 409026221 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 12/02/25 Client provided the missing xxx Initial CDs. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409026221 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD xxx is the only CD in file. Missing initial CD xxx acknowledged by borrowers inxxx days prior to closing date. | 12/02/25 Client provided the missing xxxInitial CDs. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409026221 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $xxx. | 12.1.2025 Client provided duplicate (in file) appraisal with value of $xxx dated xxx however initial condition is for missing 3rd party valuation supporting appraised value. Condition remains xxx Client provided CU Score xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118328 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Preliminary Title in file, loan originated with same lender. Incorrect xxx Form Used in Refinance with Original Creditor | 11/20/2025 Client provided an exception approval for using incorrect xxx form | 11/20/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Corrected to: $xxx verified assets is sufficient to cover required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds guideline minimum xxx<br>|
| 409026251 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD xxx is the only CD in file. Product not disclosed at least xxx days prior to closing date of xxx | 12/03/25 Client provided the missing xxx Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment xxx years<br>|
| 409026251 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD 11/13/2025 is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of xxx days prior to closing. | 12/03/25 Client provided the missing xxx Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment xxx years<br>|
| 409026282 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Changed to Cash out Refi; payoff of xxx with recent draw. Provide updated Lock as Cash Out | 11.24.2025 Client provided LOX stating loan have been updated and locked as cash out refinance and reflected as such on xxx, updated lock was not provided however LOX in xxx verifies have been re-locked as Cash out | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxxexceeds guideline minimum credit score of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxxis below guideline max DTI of xxx.<br>|
| 409026282 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Title | Satisfied<br> D<br> A | CRDTIL865 | Title incomplete | No | Title report provided is illegible. | 11/25 Client provided incomplete title commitment; Missing the correct loan amount $xxxand missing xxx proposed insured; Provide a corrected Title 12.3.2025 Client provided legible copy of Title commitment however missing title supplement No. 2 that shows the loan amount was amended to $xxx (per LOX that was provided) however No. 2 was not provided with the Title commitment. Condition remains for No. 2 title supplement. However Letter from Title xxx there is a No. 2 xxx with correct loan amount of $xxx was not provided and Title commitment provide reflects loan amount $xxx/ Accepting | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxxexceeds guideline minimum credit score of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxxis below guideline max DTI of xxx.<br>|
| 409026282 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing xxx . CU score is xxx , guideline required CU score of xxx or below. | 12.2.2025 Client provided xxx party xxxvaluation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxxexceeds guideline minimum credit score of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxxis below guideline max DTI of xxx.<br>|
| 118329 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of xxx Guidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 118330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> B | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Missing initial CD provided and acknowledged by non-borrowing xxx(xxx xxx). If CD was emailed, a prior e-consent is also required. | 11/18/25 Client provided the shipping label for the non borrower Sent on xxx | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of xxx available in reserves; xxx months required.<br>|
| 118330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $xxx due to added CDA fee on CD xxx. Loan was locked with the Investor xxx with the guideline for CDA. Fee was not disclosed to the borrower until xxx (not withinxxx days of findings). Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/21/2025 Client provided PCCD xxx with cure, copy of cure check, Email for LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of xxx available in reserves; xxx months required.<br>|
| 118330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | Final CD xxx and Funding CD xxx section Partial Payments in Loan Disclosures - an improper combination of selections (may accept/ does not accept). Condition is pending receiving corrected PCD and LOE to borrower. | 11/21/2025 Client provided PCCD xxx with corrections and email for LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of xxx available in reserves; xxx months required.<br>|
| 118331 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing xxx xxx xxx and xxx for xxx xxx income Missing xxx xxx all pages, only xxx in file, xxx xxx required and xxx xxx transcripts | 12/11 Client provided a lock changing the loan to xxx and all required docs are received | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 118331 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing xxx xxx all pages, only xxx in file, xxx months required and xxx months transcripts | 12/11 Client changed program to xxx xxx and xxx accepts xxx | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 118331 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing xxx YTD Profit and loss for xxx xxx xxx | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409026338 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Assets | Satisfied<br> C<br> A | CRDAST3036 | Assets reflect unsourced deposits | No | The loan file is missing documentation to source the following large xxx in the xxx: a xxx on xxx and a xxx of $xxx on xxx | 11.19.2025 Client provided an email from xxx which is a xxx of xxx xxx Our Borrower made xxx loans to xxx in the amounts of $xxx on 12.6.2022 and $xxx on xxx and have been paid back on a schedule from xxx to xxx etc. Response, appears these loans was made from Borrower to xxx and appears this letter only addresses xxx on xxx and nothing was provided addressing other xxx condition remains (a). documentation is needed to support this ($xxx) were loans made out to xxx xxx documentation is required to support being paid out from our Borrower, xxx in xxx# only verifies incoming back to borrower and (b). still missing documentation to source and document other xxx; initial condition remains and appears possibly total assets of $xxx can be backed out of assets, provide updated DU removing these total assets of $xxx from xxx and/or #xxx12.1.2025 Client provided updated DU submission #xxx with removing xxx#xxx and #xxx (both asset accounts totaling $xxx backed out of assets) sufficient funds to close still verified along with sufficient reserves for transaction. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is xxx, which is points xxx higher than the benchmark score of xxx.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any xxx-day, xxx-day, or xxx-day late payments on the all mortgage accounts within the last xxx months. This exceed the guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower has total cash asset reserves of $xxx, which equates to xxx months of xxx reserves. Calculation: $xxx divided by $xxx= xxx months of PITIA. Cash Reserves exceed xxx months of PITIA.<br>|
| 409026338 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The loan file is missing the most recent xxx Statement for xxx | 11.12.2025 Client provided evidence of monthly xxx of $xxx for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is xxx, which is points xxx higher than the benchmark score of xxx.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any xxx-day, xxx-day, or xxx-day late payments on the all mortgage accounts within the last xxx months. This exceed the guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower has total cash asset reserves of $xxx, which equates to xxx months of xxx reserves. Calculation: $xxx divided by $xxx= xxx months of PITIA. Cash Reserves exceed xxx months of PITIA.<br>|
| 409026338 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR171 | Subject Photos Unacceptable | No | The appraisal report is missing the subject property's xxx view photo. | 11.19.2025 Client provided updated appraisal with all xxx , including street view photo | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is xxx, which is points xxx higher than the benchmark score of xxx.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any xxx-day, xxx-day, or xxx-day late payments on the all mortgage accounts within the last xxx months. This exceed the guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower has total cash asset reserves of $xxx, which equates to xxx months of xxx reserves. Calculation: $xxx divided by $xxx= xxx months of PITIA. Cash Reserves exceed xxx months of PITIA.<br>|
| 409026348 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx ; total reserves required $xxx.<br>|
| 409026353 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xx% DTI; xxx% max allowed.<br>|
| 409026358 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | xxx tolerance in amount of $xxx due to increase in Appraisal fee on initial CD xxx with no valid reasons documented on COC xxx. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/10/2025 Client provided COC xxx reflecting Appraisal fee changed from $xxx to $xxx. This fee is a xxx of xxx. Condition remains. Provide a valid reason why this fee increased or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 11/14/25 Client provided an LOE stating the Appraiser Invoice was received xxx and the increased disclosed to borrower xxx, the COC history, the Disclosure Log, xxx Tracking and the Invoice. Condition remains. The timing of the fee increase disclosure is not in question. We do not have a valid change in circumstance "reason" for the increased Appraisal Fee. Provide documentation, from the time of the change, that reflects what "changed" to prompt the increased charge. Subject to re-review.12/01/2025 Client provided PCCD xxx with xxx, copy of xxx xxx, LOE and In transit xxx xxx Mail. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409026361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of disposition status of the undisclosed xxx affiliated with: xxx $xxx , $xxx' | 11.13.2025 Client provided xxx (satisfactory payment history) and other documentation (property profile, taxes, xxx from borrower, xxx , etc.) regarding address: xxx xxx xxx and appears this is a xxx xxx xxx which is Borrower xxx address xxx this is reflected on xxx E of xxx personal tax returns, in addition Lender provided xxx income worksheet reflecting negative loss of -$xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: xxx years same line of work B2: xxx years same line of work<br>|
| 409026361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing Borrower xxx/ or Documentation re: any xxx requirements on xxx; please provide. Subject to DTI and reserves recalc and may be subject to additional conditions upon review | 11.12.2025 Client provided xxx verifying monthly xxx of $xxx for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: xxx years same line of work B2: xxx years same line of work<br>|
| 409026361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | xxx is employed by xxx.Per guidelines, please provide:xxx xxx) years personal xxx returns (xxx), with xxx (2) years xxx transcripts (provide). | 11.12.2025 Client provided duplicate (in file) xxx (however missing xxx transcripts) and provided LOX from xxx stating: did not receive any paystubs from xxx. The final paystubs I received in xxx was from xxx which is included along with my xxx xxx for xxx. My final xxx paycheck received was xxx and is included as well. Please also see letter included clarifying the date my employment changed from xxx. Response, (a) provide updated xxx to reflect correct employment start date of xxx for xxx employment with xxx and missing the letter clarifying the date of employment changed from xxx in xxx(b) missing xxx Transcripts (per guidelines due to xxx for xxx) and (c). re calculation of commission income maybe required and updated xxxNote: xxx states could not validate the commission income however appears if we decrease the commission income to the amount calculated by DU of $xxx; can get DU to also validate the commission income, if can get xxx to validate the base and commission income for xxx than less xxx xxx of employment at xxx would not be an issue. Currently DU only validates the base and stating did not validate the commission income due to DU calculated amount is less than the amount entered in DU. 11.13.2025 Client provided Borrower LOX regarding xxx xxx previously with xxx and now with xxx as of xxx both employment, previous and current is working for xxx and have been doing so since xxx; condition remains for xxx Transcripts (required per guidelines when working for Family) 11.21.2025 Client provided xxx Transcripts and appears xxx Transcripts do not match the xxx xxx in file. Condition remains for copy of xxx xxx Personal tax returns that supports/matches the xxx Transcripts provided (additional income, total income and adjusted gross income differ on xxx Transcripts and the xxx xxx in file). 11.26.2025 Client provided xxx and Borrower email along with updated xxx Tax returns that supports the xxx Transcripts (previously provided) and xxxaddressing the changes made of increasing slightly some areas of income. No changes to qualifying income was needed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: xxx years same line of work B2: xxx years same line of work<br>|
| 409026361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing page xxx and xxx, which is a total of 6 pages, for xxx, used for commission calc.Please provide. May be subject to additional conditions upon review. | 11.12.2025 Client provided all pages of Written xxx for xxx for commission calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: xxx years same line of work B2: xxx years same line of work<br>|
| 409026361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per AUS: 'The payment history for the following mortgage(s) cannot be verified because they are either: Not listed on the credit report, On the credit report, but not matched to the mortgage account on the xxx, or Shown on the credit report as having an outstanding balance, but the payment history has not been reported in the last xxx months. Verify the payment history for the mortgage(s). If the mortgage is currently xxx days or more past due, or has been xxx days or more past due in the last xxx months, the loan xxx is ineligible for delivery to xxx''Darrin Coe: Private Lender, $xxx , $xxx'1. Provide most xxx month payment history, meeting guidelines.2. Provide sufficient documentation as to why this debt has been excluded from DTI and xxx , and what property it is attached to. May be subject to additional conditions upon review. | 11.13.2025 Client provided VOM (satisfactory payment history) and other documentation (property profile, taxes, LOX from borrower, HOI, etc.) regarding address: xxx and appears this is a xxx, which is Borrower xxx address xxx and other xxx, this is reflected on xxx of xxx personal tax returns, in addition Lender provided xxx income worksheet reflecting xxx loss of -$xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: xxx years same line of work B2: xxx years same line of work<br>|
| 118333 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITI available in reserves; xxx months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 118334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>|
| 118334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal fee increase from LE xxx $xxx to CD xxxx $xxx. COC issued xxx lists fee amount but does not give sufficient details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $xxx w/ Proof of Delivery. | 11/26/2025 Client provided COC xxx reflecting increase to appraisal fee due to xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>|
| 118335 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxxexceeds guideline minimum credit score of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 57.2% is below guideline maximum LTV of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>|
| 118336 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has xxx years with current employer, xxxhas xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxxexceeds guideline minimum credit score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>|
| 409026502 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per xxx Final xxx, xxx rents xxx for $xxx/month. This property is xxx by xxx. Provide xxx months canceled checks or bank statements | 11/19 Client provided an approved exception to allow the file without the xxx months checks | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>|
| 409026502 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Title | Waived<br> C<br> B | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title shows xxx DOT is signed by xxx and xxx Add xxx to Title | 11.25.2025 Client provided updated Mortgage Deed of Trust reflecting signature area, removing xxxy, initial Deed of Trust xxx signed on the Deed however this updated Deed of Trust reflect removing xxx name and xxx not reflected in vesting, Title and mortgage matching with only xxx and xxx however xxx is xxx non occupant Borrower and without xxx non occupant Borrower DTI would exceed guidelines and xxx need to be on Deed of Trust due to being liable for the Mortgage debt. Condition remains, for xxx non occupant Borrower (xxx) to be on Deed of Trust 11.26.2025 Client provided exception approval to allow for xxx Borrower (Non-Occupant and as Primary xxx xxx) not being listed as a vested Borrower on Deed of Trust. Note: Guidelines do state Non Occupant xxx or may not have an ownership interest in the subject property as indicated on title. Title currently reflect no issue (non occupant borrower is not on title, no issue) however exception is for Deed of Trust not reflecting Non-Occupant (primary wage earner) as being vested in subject property. | Upon further review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score xxx with verified xxx months in reserves. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>|
| 118337 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE xxx is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the xxx rule. | 11/14/25 Client provided the xxx disclosure tracking confirming receipt/acknowledgment by borrower on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx credit score exceed guideline minimum of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for xxx years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>|
| 118337 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $xxx as Appraisal Fee increased on CD xxx without a valid COC in file. A lender credit in the amount of $xxx is disclosed; however, an additional $xxx is required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/14/25 Client provided a xxx copy of the xxx COC and 10/27 CD. Condition remains. The COC does not reflect a valid change in circumstance reason/explanation for what changed to prompt the increased Appraisal Fee. Provide documentation to support the increase, from the time of the change, OR provide borrower with a $xxx refund, PCCD with cure, LOE and proof of delivery that includes tracking information.12/08/25 Client provided an xxx PCCD with cure, LOE, $xxx refund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xx credit score exceed guideline minimum of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for xxx years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>|
| 118338 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has xxxmonths xxxon current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxxor xxxmonths PITI<br>|
| 409026537 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | LE xxx is the only LE in file. Per the COC's dated xxx and xxx found in file, revised LEs were issued but are missing. | 11/19/25 Client provided the missing LEs and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409026537 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $xxx . CU score is xxx. | 11.18.2025 Client provided duplicate xxx same copies (in file) subject appraisal however initial condition is for xxx valuation supporting appraised value. Condition remains 11.20.2025 Client provided xxx party xxx valuation supporting appraised value with xxx% variance Note: appraiser last name on xxx is xxx however should be xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves exceed the amount required<br>|
| 118339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower is xxx and file is missing xxx. Guidelines requires a xxxto be obtained reflecting xxxin the last xxx (xxx) months. | 11.19.2025 Client provided duplicate (in file) xxx xxx reflecting monthly xxx xxx being paid for xxx ($xxx x xxx= $xxx) however only xxx (xxx) months verified and xxx (xxx) months required. Borrower have been xxx at current xxx for past three (xxx) years per Final xxx, condition remains for satisfactory payment history verifying additional xxx months, only xxx months verified. xxx Client provided over xxx months evidence of current housing rental payment of $xxx x xxx= $xxx from xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves exceed the amount required<br>|
| 409026551 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guidelines maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for xxx years<br>|
| 409026554 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>|
| 118340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Earliest CD provided issued xxx. Per tracker CD xxx was issued w/ COC form. Missing initial CD. | 12/02/25 Client provided the missing xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below program max of xxx% by xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds program minimum of xxx by xxx points.<br>|
| 118341 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>|
| 409026598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Insufficient assets verified in the file to meet the cash to close requirement. Total assets verified in the file were $xxx, which includes a xxx xxx and xxx% of a xxx xxx. xxx required to close was $xxx (including the xxx) leaving $xxx short funds to close. Final xxx shows lender used assets of $xxx from a xxx xxx to qualify. However, statements for this account show it is owned by another individual who is not on the loan. Additional asset documentation verifying sufficient funds to close are required. | 11.25.2025 Client provided assets documentation (which appears to be same assets being used/listed on Final xxx) however xxx #xxx reflected on Final xxx appears to be in other party name, not in our borrower name. In addition, a xxx Letter was provided in amount of $xxx (not listed on xxx and not listed in xxx as xxx xxx). Initial condition remains 12/1 Client asked for clarification; Upon review it appears a xxx was used for $xxx per xxx and the xxx statement was used to support xxx ability.; Provide an updated xxx approval including the xxx with corrected xxxx | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>|
| 409026598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserves requirement. Total assets verified in the file were $xxx, which includes a xxx xxx and xxx% of a xxx account. Cash required to close was $xxx (including the xxx) leaving no assets available in reserves. $xxx in xxx are required, or xxx months PITI ($xxx) for the subject plus xxx months xxx ($xxx) for an additional financed property owned. Final xxx shows lender used assets of $xxx from a xxx account to qualify. However, statements for this account show it is xxx by another individual who is not on the loan. Additional documentation verifying sufficient assets to meet the reserves requirement after the closing cost requirement has been met are required. | 11.25.2025 Client provided assets documentation (which appears to be same assets being used/listed on Final xxx) however xxx reflected on Final xxx appears to be in other xxx, not in our borrower name. In addition, a xxx Letter was provided in amount of $xxx (not listed on xxx and not listed in xxx as xxx xxx). Initial condition remains xxx Client asked for clarification; Upon review it appears a xxx was used for $xxx per letter and the xxx statement was used to xxx xxx ability.; Provide an updated xxx approval including the xxx with corrected xxx xxx Client provided an xxx confirming a xxx was used and asked to clarify if the revised xxx needs to be signed; On review the xxx does not need the signed; The xxx has been documented with a xxx letter and xxx ability with xxx xxx- in xxx xxx ; xxx to Title company came from the Borrowers account; Remining items; xxx. Provide evidence of receipt of $xxx xxx to Borrowers xxx xxx. Provide corrected xxx and xxx with all assets used to qualify including $xxx xxx (xxx does not need to be signed)xxx Client provided evidence of receipt of gift to Borrowers account, Satisfied; Client also provided revised xxx Accept with revised xxx, However, loan was originally reviewed to xxx # xxx with a xxx score of xxx ; provide an Updated xxx for xxx#xxx; or If you wish the file to be reviewed to the xxx accept, provide an xxx score supporting the appraisal or will need to provide a xxx; The xxx for xxx appears to be corrected, However the xxx for xxx still includes xxx the non-Borrower xxx xxx xxx and must be removed from xxx and not included in any xxx resubmission, provide the corrected docs xxx xxx score located in file xxx supporting appraisal with xxx accept; SATISFIED; Provide corrected xxx for xxx ;The xxx for xxx appears to be corrected, However the xxx for xxx still includes xxx xxx the non-Borrower xxx gift account and must be removed from xxx and not included in any xxx resubmission, provide the corrected docs xxx Client provided a corrected xxx accept #xxx supported by xxx score of xxx, and the corrected xxx for xxx with ineligible assets removed | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>|
| 409026598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing xxx tax returns for the borrower. xxx allows the xxx tax return requirement to be waived if the borrower's personal tax returns show an increase in xxx xxx over the last xxx years. xxx xxx has declined from xxx. As a result, prior years xxx tax returns are required. | 11/13 Client provided the xxx taxes supporting qualifying xxx | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>|
| 409026598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | 1) Borrowers are converting their xxx xxx into a xxx property. File is missing a Form xxx (Comparable Rent Schedule) or evidence the terms of the lease have gone into effect supporting the lease the agreement. A cashier's check and a print-out from xxx provided in the file appear to show the xxx xxx xxx and xxx xxx have been xxx which is insufficient. A full xxx statement verifying the borrower(s) are the owner(s) of the account is required.2) File contains 2 different xxx agreements for the xxx residence that were executed by xxx different xxx and with different xxx xxx amounts. Documentation/explanation from the lender and/or borrower(s) verifying which is the correct lease will be required. If the initial executed xxx agreement was cancelled, then why was it left in the file? | 11.25.2025 Client provided evidence xxx belonging to our borrower (and xxx person on account is possible xxx xxx) and provided both executed Leases $xxx (which have been cancelled) and updated xxx $xxx (which is being used for transaction to offset xxx home xxx) and cashier check of $xxx was provided and xxx into #xxx and LOX from Lender stating the xxx xxx xxx up backing out and should have been removed from file. Response, it appears xxx xxx was signed on xxx (initial application date xxx) and Borrower did not qualify with xxx Lease (DTI would have been over xxx%) and now xxx Lease have been provided (DTI xxx%). Condition remains for evidence $xxx monthly xxx is supported with Comparable Form xxx xxx Schedule. 12/1 Client asked for clarification; Upon review by xxx ; the initial xxx was signed on xxx (initial application date xxx) and Borrower did not qualify with xxx xxx (DTI would have been over xxx%) a revised xxx Lease was provided with higher xxx $xxx lowering the (DTI xxx%). ; Provide a xxx or copy of xxx/ xxx month xxx check to support the higher amount $xxx, used to qualify with the revised xxx12/2 Client provided all supporting docs for lease; Upon review by xxx; the first xxx is disregarded Per Borrower LOX that xxx backed out; the xxx provided for $xxx is executed and supported with a xxx check for xxx month rent and xxx xxx; with tenant name and evidence of deposit to Borrowers account; xxx requirements are met and xxx is not required | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>|
| 409026598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | File is missing verification of the existence of borrowers xxx verified through a xxx source and no more than xxx calendar days prior to the Note date. xxx listing and xxx filing provided in the file are not dated. | 11/13 Client provided xxx xxx searches one is xxx print out undated and the other appears o be dated xxx outside xxx days ; Provide xxx xxx verification dated within `xxx days 11.25.2025 Client provided xxx (undated) for xxx. Condition remains for xxx party xxx dated prior to closing. xxx Client provided an approved exception to allow the file with and xxx and undated xxx | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>|
| 118342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the CD. Seller CD provided all fees verified. Exception Satisfied | (No Data) | Condition satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx= $ xxx+ xxx additional months for xxx ($ xxx X xxx = $ xxx)<br>|
| 409026626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | The Initial xxx CD was e-signed by both title holders, however file is missing an E-Consent for the non-borrowing title holder (xxx). Provide the missing E-Consent for the non-borrowing title holder. | 12/11/25 Client provided both E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months PITI. xxx months required<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has xxx months of xxx on current mortgage<br>|
| 409026665 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage and Riders | 12/02/2025 Client provided the recorded, fully executed Mortgage dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409026665 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file for co-borrower. Provide e-Consent for all borrowers. | 12/02/2025 Client provided Blend report that reflects accepted e-consent dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx= $ xxx+ xxx Months for Additional REO or $ xxx X xxx<br>|
| 118343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $xxx as Appraisal Fee increased on LE xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/03/25 Client provided a duplicate copy of the xxx COC and LE package. Condition remains. The COC only reflects a Rate Lock reason which does not validate an increased Appraisal Fee. Borrower is due a refund of $xxx, PCCD with cure, LOE and proof of delivery that includes tracking information.xxx Client provided an Email with a response from the Seller stating: There is an invoice in the file showing the increase in the appraisal fee due to a rush charge. It is dated xxx and we disclosed the increase within xxx business days on xxx Screenshot of the Invoice provided. Condition remains. An increase specific to a Rush Fee requires the evidence that the borrower made the request for a Rush of the Appraisal. Provide the supporting documentation of the borrower's request for the rush order. Subject to re-review.xxx Client provided supporting documents via a signed letter of attestation reflecting Borrower verbally requested a rush on xxx along with threads of text with Borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx= $ xxx+ xxx Months for Additional REO or $ xxx X xxx<br>|
| 118344 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx % DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118344 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E-signed. No evidence of E consent provided. Missing E consent. | 11/26/2025 Client provided a xxx reflecting accepted consent on xxx and xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx % DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118344 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial & Final LE method of receipt E-signed. No evidence of E consent provided. Missing E consent. | 11/26/2025 Client provided a xxx reflecting accepted consent on xxx and xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx % DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409026901 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITI available in reserves; xxx months required.<br>|
| 118345 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%.<br>|
| 118347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had no derogatory or delinquent credit history, xxx months reviewed.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx has been in current line of work for xxx years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is xxx%.<br>|
| 118348 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 118349 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxx since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>|
| 409027013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD xxx e-signed; e- consent missing. | 12/03/2025 Client provided missing accepted consent for e-delivery dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx .<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409027013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Both LEs xxx & xxx e-signed; e- consent missing. | 12/03/2025 Client provided E-consent for Borrower dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx .<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409027013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing documentation verifying remaining xxx funds of $xxx have been transferred to the borrower, or to the subject loan closing. | 12.4.2025 Client provided copy of Final HUD-1 statement and receipt of xxx funds coming from xxx to Borrower ($xxx and $xxx) and reflected the same on Final HUD-1 that was provided. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx .<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 118351 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 118352 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement for subject; no additional xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118353 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $xxx due to increase in appraisal fee on LE xxx with no valid reasons documented on COC xxx in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/20/25 Client provided a missing xxx COC and xxx LE validating the xxx increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowerxxx has xxx years xxx months with current employer.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrowerxxx has xxx years xxx months with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>|
| 118353 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Please provide explanation for the funds to purchase in the amount of $xxx and disclose whether or not there is an additional obligation created with this transaction, additional reserves may be required. PC CD dated xxx reflects borrower received $xxx after payoffs and disbursement in the amount of $xxx as Funds to Purchase. xxx dated xxx also reflect $xxx Funds to purchase. This purchase is undisclosed. | 11.19.2025 Client provided duplicate (in file) copy of HUD-1 settlement statement for subject cash out transaction however it appears on subject CD: Payoffs reflecting a line stating Funds to Purchase of $xxx; initial condition is pertaining to this statement of Funds to Purchase, further clarification is needed is there an undisclosed xxx that was related to this Funds to purchase of $xxx' however was not disclosed. Initial condition remains 11/25 Client provided a PCCD xxx changing the disbursement wording to "partial proceeds to Borrower" and a response that "the attached updated PCCD and revised FINAL xxx are not duplicates, please note that the settlement agent updated the statement to show partial proceeds disbursed to borrower, not purchase- both settlement agent and xxx confirmed that there is no additional xxx" ; Upon review, Provide evidence that the settlement agent and broker confirmed there is no additional xxx, with supporting docs, closing agent xxx, or xxx CERT11.25.2025 Client provided email from Lender/Title stating these funds were not a concurrent purchase and was a partial proceeds to Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowerxxx has xxx years xxx months with current employer.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrowerxxx has xxx years xxx months with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>|
| 118354 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section C are not disclosed on Final CD xxx Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable xxxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxxexceeds guide lines.<br>|
| 118355 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned his primary residence for xxx years xxx months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 118357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 118358 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of PITIAGuidelines require 6 months or $ xxx X xxx = $ xxx+ xxx additional months for xxx ($ xxx X xxx = $ xxx)+xxx Months for Additional xxx or ($ xxx X xxx = $ xxx)<br>|
| 118359 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx%.<br>|
| 118361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide xxx findings. Loan program requires xxx findings be present in the file. | 12.2.2025 Client provided xxx however #xxx on xxx need to removed, correction in xxx is required for removal of #xxxCondition remains for updated xxx with removing of #xxx verbiage. 12.12.2025 Client provided another xxx pulled xxx as of xxx submission xxx 1 xxx xxx xxx (Note date xxx) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline minimum LTV xxx%.<br>|
| 118362 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and xxx Commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409028980 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>|
| 118363 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below the guideline max LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>|
| 409029024 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 118364 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide full xxx months bank statements for xxx#xxx. Have xxx and through xxx, xxx. | 12.2.2025 Client provided prior xxx statement (xxx) for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same xxx for xxx years<br>|
| 118364 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide xxx | 12.2.2025 Client provided a xxx xxx value report however still missing xxx party xxx valuation, per guidelines xxx or xxx is required. Condition remains for xxx party xxx12.3.2025 Client provided xxx party xxx where value was not supported within xxx% of required tolerance, to accept value. Client previously provided the Reconciled value from xxx supporting value of $xxx (within xx tolerance) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same xxx for xxx years<br>|
| 118365 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>|
| 118366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $xxx due to increase in Discount Points from last LE xxx to initial CD xxx with no COC or updated Rate Lock in file. COC dated xxx informs about Interest Rate change however rate is consistent at xxx% on all disclosures. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/19/25 Client provided a copy of the Initial xxx CD and the missing xxx COC validating the Points increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history xxx payments<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 118366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten percent tolerance in amount of $xxx due to increased Title fees with no valid COC in file. Borrower selected a title provider from xxx. All title fees, along with a recording fee, are tested for xxx% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/21/25 Client provided an xxx PCCD with cure and LOE to borrower. Condition remains. Provide the $xxx refund check and proof of shipment that includes tracking information.xxx Client provided Duplicate of PCCD xxx and LOE. Also included copy of the refund check and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history xxx payments<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 118366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Provide Seller CD in order to complete fee entry. | 11/19/25 Client provided the Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history xxx payments<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 118367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD xxx Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxxMortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months xxxin reserves.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Borrower has xxxincome, xxxxxxx x $xxxnot used in qualifying income.<br>|
| 409029109 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Ontime housing payments for xxx months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower reserves exceed amount required. xxx<br>|
| 409029112 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Waived<br> D<br> B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Transaction is XXX Refinance loan amount > $xxx. XXX Full Appraisal required. | 12/3 Client provided an approved exception to allow the file without the xxx appraisal (newest xxx allow up to xxx before xxx appr) | Upon review by xxx, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxxMortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>|
| 118368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Waived<br> B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Application date xxx, xxx in file is dated xxx | 12/3/25 Client provided an approved exception for xxx not disclosed timely. | 12/3/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITI available in reserves; xxx months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>|
| 118368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Lender's initial application date is xxx earliest LE in file is dated xxx. Missing initial LE disclosed to borrowers within xxx days of application date. | 12/08/25 Client provided the Initial xxx LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITI available in reserves; xxx months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>|
| 409029122 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower at current employment xxx years<br>|
| 118369 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% ltv is below guideline maximum of xxx%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: xxx months of xxx exceeds guideline of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx in assets is sufficient to cover required reserves of $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds minimum credit score of xxx.<br>|
| 409029130 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Texas Home Equity | Satisfied<br> C<br> B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | xxx Equity - Affidavit of Fair xxx Value not signed by lender | 12/09/25 Client provided the xxx Affidavit signed by the Lender xxx on xxx (Post Close). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx\*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409029130 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD xxx is e-signed by non-borrowing spouse but a prior e-consent is missing in file. | 12/09/25 Client provided the Initial CD xxx cert reflecting the xxx E-Consent for the xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx\*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 118370 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxxor xxxmonths of PITIAGuidelines require 6 months or $ xxxX xxx = $ xxx<br>|
| 409029134 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI Is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>|
| 118371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Documentation | Satisfied<br> C<br> A | CMPDOC3076 | Legal document was not executed or is incomplete | No | MTG missing Notary date. | 12/05/25 Client provided the Mortgage that includes the xxx Notary Date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxxor xxxmonths PITI; $xxx or xxxmonths required.<br>|
| 118371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | Purchase Contract missing. | 12/05/25 Client provided the Purchase Contract. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxxor xxxmonths PITI; $xxx or xxxmonths required.<br>|
| 118372 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>|
| 118373 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: xxx has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx \*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx. xxx mortgage payment history; xxx required.<br>|
| 118375 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial & revised CD's method of receipt E signed. Missing E consent for all title holders. | 12/11/25 Client provided the Document Package Audit Report reflecting all title holders E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower xxx years at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118375 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial LE method of receipt E signed. Missing E consent for all title holders. | 12/11/25 Client provided the Document Package Audit Report reflecting all title holders E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower xxx years at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118376 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing the xxx Credit Report used in the xxx-DU xxx ID xxx #xxxdated xxx. File includes a Credit Supplement dated xxx | 12.8.2025 Client provided xxx credit report dated xxx which was used by DU xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxxMortgage payment history exceeds guidelines of xxxmonths.<br>|
| 118376 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The actual Appraised Value is $xxx. Missing corrected xxxand xxx-x showing Appraised xx Value of $xxx. Also, missing Credit Report dated xxx used in xxx determination. | 12.8.2025 Client provided updated xxx submission xxx with correct appraised value of $xxx along with xxx reflecting updated appraised value, and provided credit report dated xxx | condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxxMortgage payment history exceeds guidelines of xxxmonths.<br>|
| 118377 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409029279 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx= $ xxx for subject and xxx months xxx for each financed xxx, not met. Provide additional asset statements, meeting guideline requirements, supporting Borrowers had required reserves. May be subject to additional conditions upon review. | 11.24.2025 Client provided lender asset worksheet with assets that are being used for this transaction and appears, xxx and xxx xxx xxx are not currently being used in xxx. Condition remains for xxx and xxx assets if being used in transaction. Condition remains, short reserves Note: Assets listed on Final xxx total of $xxxx and same being used by xxx also it appears xxx have a balance on $xxx vs $xxx (provided x xx statement supporting lower balance of $xxx (per Lender worksheet) 11.25.2025 Client provided xxx updated xxx statement with lower balance of $xxx and provided two months xxx (xxx/xxx) with balance of $xxx; updated verified reserves are $xxx vs $xxxx; sufficient reserves of xxx months for subject xxx months for xxx financed owned have been verified | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409029279 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification | 11.24.2025 Client provided Flood Certification Document, flood xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409029280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | State Consumer Protection | Satisfied<br> D<br> A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | xx xxx Lend Database - No Cert of Compliance or Cert of Exemption in file | 12/04/25 Client provided a copy of the xxx. Condition remains. Provide the xxx Cert of xxx OR Exemption that is recorded with the Mortgage.12/09/25 Client provided the xxx Cert of xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xx% DTI is below guideline maximum of xx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower have been on current job for xxx years<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for xx years<br>|
| 118378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves are short due to missing asset documentation | 12.8.2025 Client provided most recent xxx months xxx #xxx statement supporting $xxx; verified sufficient reserves met for this transaction with verifying xxx xxx, verified reserves are xxx months | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower xxx has xxx years xxx months at current residence<br>|
| 118378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing xxx months consecutive statements for xxx xxx xxx $xxx | 12.8.2025 Client provided most recent xxx months xxx #xxx statement supporting $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower xxx has xxx years xxx months at current residence<br>|
| 118378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | xxx : Missing property tax, hazard insurance and evidence that there is no mortgage on the property xxx: Missing property tax, hazard insurance and evidence that there is no mortgage on the property | 12.8.2025 Client provided evidence of xxx $xxx xxx $xxx and taxes $xxx for xxx property however still missing evidence of taxes, hoi and xxx for xxx property. Condition remains for xxx. xxx verification. 12.11.2025 Client provided evidence of xxx $xxx and evidence of monthly taxes of $xxx and evidence of Full Reconveyance for property: xxx for total of $xxx same as reflected on xxx of xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower xxx has xxx years xxx months at current residence<br>|
| 118380 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender ability to repay/qualified mortgage status determination. | 10/22/2025 client provided ATR determination. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds the XXX minimum guideline requirement by xxx points.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum guideline requirement of XXX%.<br>|
| 118381 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx xxx, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of xxxGuidelines require xxx months or $ xxx X xxx = $ xxx+ xxx Months for Additional xxx or $ xxxX xxx = $ xxx<br>|
| 118381 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Missing evidence of a prior e-consent to the xxx e-signed. Earliest tracking/ xxx in file is for initial CD xxx. | 12/09/25 Client provided the E-Disclosure Invitation xxx cert reflecting both Initial E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of xxxGuidelines require xxx months or $ xxx X xxx = $ xxx+ xxx Months for Additional xxx or $ xxxX xxx = $ xxx<br>|
| 118381 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | File is short cash to close in the amount of $xxx. Provide sourced and xxx assets used to qualify. | 12.10.2025 Client provided xxx #xxx xxx statement covering xxx days from xxx- 11.5.2025 with balance of $xxx with xxx xxx xxx from xxx $xxx and $xxx which appears to have come from xxx xxx of xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of xxxGuidelines require xxx months or $ xxx X xxx = $ xxx+ xxx Months for Additional xxx or $ xxxX xxx = $ xxx<br>|
| 118382 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same xxx for xxx years.<br>|
| 118383 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E-Signed. No evidence of E consent provided. Missing E consent. | 11/26/2025 Client provided a xxx reflecting accepted e-consent dated xxx for both. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>|
| 118383 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial & Final LE method of receipt E-Signed. No evidence of E consent provided. Missing E consent. | 11/26/2025 Client provided a xxx reflecting accepted e-consent dated xxx for both. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>|
| 409030253 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | xxx findings require the xxx xxx being paid off with the subject transaction to be seasoned for at least xx months to be eligible as a cash-out. Prior mortgage paid off with subject loan proceeds originated on xxx which is below the minimum required xxx months. | 12.3.2025 Client provided an LOX (possibly from Client) stating, lock is being updated right now by our xxx - please re-review to xxx program, where the xxx months seasoning requirement is met and xxx findings would not apply. Response, file have been re-reviewed to xxx, condition remains for copy of updated lock as xxx Note: Borrower acquired property xxx with Application date xxx and Note date xxx12.8.2025 Client provided copy of lock confirmation being locked as xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of PITI available in reserves; xxx months required.<br>|
| 118384 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 118385 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage | 12/16/25 Client provided the fully executed xxx and xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118385 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD xxx is the only CD in file. Product not disclosed at least xxx business days prior to closing date. | 12/16/25 Client provided the fully executed xxx Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118385 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD xxx is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of xxx days prior to closing. | 12/16/25 Client provided the fully executed xxx Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409030436 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409030442 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CU Score of xxxor less or xxx xxx xxx (xxx) ordered from xxx or a xxxxxx (xxx) from xxx required to support the $xxxappraisal value. | 11.13.2025 Client provided xxxhowever file was underwritten xxxand condition remains for xxxScore of xxx xxxless 11.14.2025 Client provided xxxScore xxx which is greater than xxx; condition remains for xxxparty xxxvaluation supporting value. 11/19/2025 Client provided xxxparty xxxvaluation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409030446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Client to provide missing income and REO documentation | 11/19 Client provided the xxx xxx and xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409030446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409030446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 1) Provide documentation to support the xxx of the following mortgages: xxx month and xxx for $xxx/xx month appearing on the credit report. 2) Provide a copy of the Tax Calculation statement for subject property. | 11.20.2025 Client provided copy of credit supplement report verifying both mortgages (in question) do not belong to Borrower and have been xxx from the credit report. Condition remains for copy of tax calculation statement for subject property (per initial condition)11.20.2025 Client provided Lender LOX stating used xxx% for monthly taxes used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409030446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | xxx: Provide a copy of the mortgage statement for xxx for $xxx to verify if the taxes and insurance are escrowed. If not escrowed, provide a copy of the tax statement. Provide HOA statement to confirm any xxx fees. | 11/19 Client provided the mtg statement showing the Payment $xxx includes PITI | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409030446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Provide complete copies of the borrowers xxx xxx Tax xxx . for xxx | 11/19 Client provided the complete xxx returns for xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409030446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Provide a copy of the Flood Cert | 11/19 Client provided the flood cert | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409030446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Title | Satisfied<br> D<br> A | CRDTIL796 | Missing Title | No | Provide a copy of the Title Report | 11/19 Client provided the Title | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>|
| 409030448 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $xxx. Verified $xxxSubject; $xxxx xxx= $xxxxxx $xxxxxxx = $xxx<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxxmonths xxxon current mortgage<br>|
| 409030448 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide xxx for xxx dated within xxx days prior to the Note date | 12.4.2025 Client provided xxx for xxx for current and previous employment for xxx dated (post close xxx) and file having a prior to closing xxx however was not within xxx xxxxdays of Note date. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $xxx. Verified $xxxSubject; $xxxx xxx= $xxxxxx $xxxxxxx = $xxx<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxxmonths xxxon current mortgage<br>|
| 409030458 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Loan Consummated on xxx; xxx Expiration Date is xxx; Final CD xxx indicates Disbursement Date of xxx; Condition is pending receipt of final xxx statement reflecting later disbursement date, & corrected PCD, LOX, & proof of delivery. | 12/17/2025 Client provided the Final Alta/Settlement Statement. Condition remains for funding CD with updated Disbursement date. 12/19/2025 Client provided Funding PCCD xxx with matching Final xxx/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in profession<br>|
| 409030466 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Per the COC and Disclosure Tracking, provide the missing Revised xxx LE. | 12/09/25 Client provided the missing xxx LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx% is lower than max DTI xxx%<br>|
| 409030466 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | RESPA | Waived<br> B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application e-signed on xxx. xxx in file is dated xxx. | 12/02/25 Client provided an approved exception for xxx not timely disclosed to borrower | 12/02/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx% is lower than max DTI xxx%<br>|
| 409030466 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Earliest LE in file is dated xxx. Missing initial LE disclosed to borrower within xxx days of application date xxx and, per Disclosure Tracking Summary/ COC dated xxx, a revised LE xxx Provide both disclosure for further testing. | 12/05/25 Client provided the missing Initial xxx xxx. Refer to xxx for the missing Revised xxx xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx% is lower than max DTI xxx%<br>|
| 118406 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower xxx has xxx years in profession<br>|
| 409030490 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date xxx, Initial CD issued xxx. No Confirmation of Receipt of Initial CD w/ proof of delivery at least xxx Days Prior to Consummation provided. | 12/05/25 Client provided the e-signed copy of the xxx CD with Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of xxxGuidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 409030498 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of xxxGuidelines require xxx months or $ xxx X xxx= $ xxx+ xxx additional months for xxx ($ xxx X xxx = $ xxx)+xxx Months for Additional xxx or $ xxx X xxx = $ xxx<br>|
| 409030501 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>|
| 409030501 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective date of xxx is before the disbursement date of xxx shown on the PCCD. | Client provided approval for Effective date is greater than the transaction date | xxx final grade B | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>|
| 409030525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Missing Final CD signed at consummation | 2/18/2025 Client provided missing fully executed Final CD xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409030525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect xxx xxx Form Used in Refinance with Original Creditor | 12/13/2025 Client provided an exception approval for using incorrect xxx form | 12/13/2025 Initial and final grade xxx | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 118407 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect xxx xxx Form Used in Refinance with Original xxx | 12/2/2025 Client provided an exception approval for using incorrect xxx form | 12/2/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>|
| 118408 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409030562 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx+ xxx $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx. xxx mortgage payment history; xxx required.<br>|
| 409030563 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the CD. Seller CD provided all Fees were verified. Exception Satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx \*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409030565 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD.. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409030575 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Cert. | 12.1.2025 Client provided Flood Certification Document however address determination not exactly the same as all other legal documents: xxx and xxx documents: xxx xxx, xxx unable to determine this is one of same and xxx xxx differ on Flood Cert. Condition remains 12.5.2025 Client provided Lender LOX and tax details however Flood Certification address must match all other legal documents, or is legal documents address incorrect however Client provided updated corrected copy of Flood Certificate document with same address per legal documents in file, flood xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in current xxx for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' qualifying xxx of xxx exceeds the minimum per guidelines xxx score of xxx.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is xxx%.<br>|
| 409030575 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | xxx (xxx) ordered from xxx or a xxx xxx(xxxx) is required to support the value of the appraisal. | 12.1.2025 Client provided xxx party xxx valuation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in current xxx for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' qualifying xxx of xxx exceeds the minimum per guidelines xxx score of xxx.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is xxx%.<br>|
| 409030583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file. | 12/04/2025 Client provided missing Homeowners Counseling Organization List dated xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409030583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing please provide. | 12/08/25 Client provided an Affiliate Business Disclosure from the property Seller (xxx xxx). Condition remains. Provide the Affiliate Business Disclosure from the Lender (xxx xxx) OR a signed attestation from the Lender stating they do not have any Affiliates.12/10/25 Client provided a duplicate copy of the xxx from the property Seller (xxx xxx). Provide the Affiliate Business Disclosure from the Lender (xxx) OR a signed attestation from the Lender stating they do not have any Affiliates.12/12/2025 Client provided missing Lenders Affiliated Business Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409030583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID5512 | TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures (SFIG 3.0) | No | Final CD xxx and PCD xxx, Projected Payments in section Estimated Taxes and Insurance - amount for monthly non-escrows is $xxx. On page xxx of disclosures in section Non-Escrow account - amount for Property Cost over xxx year is $xxx ($xxx/ xxxmonths =$xxxper month) Amount for monthly non-escrow doesn't equal to the amount for xxxmonths | 12/12/2025 Client provided corrected PCCD x. xx Condition remains for LOE to Borrower.xxx Client provided the missing LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409030583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Application | Waived<br> C<br> B | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Borrower has xxx in xxx of subject property. xxx approval in file, however missing conditions. Provide all deposits being credited to borrower at closing to be fully documented. (Per Exception Approval)Appraisal to be updated to reflect subject is non arms length with commentary for subject transaction. (Per Exception Approval) | 12.4.2025 Client provided some documentation pertaining to other conditions, initial condition remains. Waiver not applied due to still missing all xx being credited to borrower at closing to be fully documented. (per Exception approval) 12.10.2025 Client provided assets documentation supporting all xxx being credited to borrower at closing have been fully documented, basically the $xxx xxx reflect on subject CD is coming from sale of a property xxx sold as of xxx and xxx credits was given on xxx), in addition provided updated appraisal reflecting transaction as non arms length transaction due to borrower having xxx interest in xxx Client provided exception approval for Borrower xxx transaction: subject new xxx property being xxx by borrower xxx xxx, borrower having xxx interest in the builder whom xxx subject property. | Upon further review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors: verified reserves of xxx months, LTV xxx% and DTI of xxx% | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409030583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide all pages of xxx Contract. Only have Change Order in file | 12.4.2025 Client provided xxx Contract with xxx Price of xxx $xxx and file have (pg. xxx) the final change orders option price of $xxx for total xxx price $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409030617 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC191 | Missing Mortgage | No | Mortgage is missing. | 12/05/25 Client provided the fully executed DOT and Riders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds the xxx Min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years at current home<br>|
| 409030617 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds the xxx Min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years at current home<br>|
| 409030617 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | xxx tolerance in the amount of $xxx as Appraisal Review Fee was added to CD xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/05/25 Client provided a xxx PCCD moving the $xxx Appraisal Field Review Fee to the Lender-paid column. Condition remains. Provide the LOE to borrowers, copy of the $xxx refund check and proof of delivery that includes tracking information.12/08/25 Client provided the shipping label (tracking shows package has shipped). Condition remains for the LOE to borrower and copy of the $xxx refund check.12/11/25 Client provided the refund check and LOE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds the xxx Min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years at current home<br>|
| 118410 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITIA in reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>|
| 118411 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing updated valuation.Value is not yet supported by xxx score. May be subject to additional conditions upon review. | 12.12.2025 Client provided xxx party xxx valuation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 118412 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimum use of revolving credit. Revolving utilization xxx%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower1 has xxx years in line of xxx.<br>|
| 118413 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves: $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx co-borrower has xxx his primary residence for xxx years.<br>|
| 118413 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrower's xxx within xxx calendar days prior to the note date for xxx. | 12.15.2025 Client provided Lender xxx dated 11.26.2025 xxx xxx however no additional documentation was provided for the xxx. Condition remains for the documentation that supports the xxx. 12.18.2025 Client provided LOX stating, xxx is the borrower xxx, xxx with the borrower as an xxx, please allow the xxx for xxx or xxx if necessary for B grade. xxx. Response, accepting xxx (in file pg. xxx however not dated) along with Lender xxx that was previously provided by xxx stating verified xxx on xxx and with file having axxx (Note date xxx) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves: $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx co-borrower has xxx his primary residence for xxx years.<br>|
| 409030879 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $xxx due to added xxx Appraisal review fee on CD xxx with no valid reasons documented in file and no lender's credit for tolerance cure. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/19/25 Client provided an xxx PCCD with $xxx cure, refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.11/21/25 Client provided the proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxxx + xxx Months for Additional REO or $ xxxX xxx = $ xxx<br>|
| 409030889 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: xxx> xxxmonths<br>|
| 409030890 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves: $xxx. x xxx months = $xxx reserves required + $xxx required for xxx xxx = $xxx total reserves required.<br>|
| 409030893 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR2400 | Missing Flood Certification Document | No | File is missing the flood cert. | 11.24.2025 Client provided Flood Certification document for subject, xxx zone xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxx since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxxi n reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409030894 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in their line of work for xxx years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is xxx%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had no derogatory credit history, reviewed xxx months.<br>|
| 118414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSET Post Close Assets are $xxx or xxx of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxx+ xxx Months for Additional xxx or $ xxx X xxx = xxx<br>|
| 118414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | The file does not contain a copy of the Purchase Contract; please provide. | 12.10.2025 Client provided executed copy of subject xxx Contract supporting $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSET Post Close Assets are $xxx or xxx of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxx+ xxx Months for Additional xxx or $ xxx X xxx = xxx<br>|
| 118415 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years xxx months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds guideline required minimum score of xxx by xxx points.<br>|
| 118416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | xxx in amount of $xxx due to increased Recording fee from $xxx to $xxx on LE xxx with no valid reasons documented on COC xxx. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/11/25 Client provided a xxx PCCD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $xxx available in reserves; $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409030913 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409030914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxxin reserves required.<br>|
| 409030916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect xxx Form Used in Refinance with Original Creditor | 11/19/2025 Client provided an exception approval for using incorrect xxx form | 11/19/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>|
| 118417 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxxforxxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxxis below guideline max DTI of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx.<br>|
| 118417 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD 10/16/2025 is the only CD in file. Product not disclosed at least xxx days prior to closing date of xxx | 11/20/25 Client provided the missing xxxInitial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxxforxxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxxis below guideline max DTI of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx.<br>|
| 118417 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD xxx is the only CD in file. Provide initial CD given to borrower at least xxxdays prior to closing date ofxxx | 11/20/25 Client provided the missing xxx Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxxforxxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxxis below guideline max DTI of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx.<br>|
| 118417 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing xxx. CU Score in file xxx, guideline requires xxxand below. | 11.25.2025 Client provided xxxparty xxxvaluation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxxforxxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxxis below guideline max DTI of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx.<br>|
| 118418 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; no reserves required per the xxx.<br>|
| 118419 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITI available in reserves; xxx months required.<br>|
| 118420 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>|
| 409031136 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxxreserves; $xxx\*xxx+ REO $1,611.33\*3= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409031137 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409031139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx= $ xxx+ xxx Months for Additional xxxor $ xxx X xxx = $ xxx<br>|
| 118162 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | None of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% qualifying DTI<br>|
| 409031176 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements xxx%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% is below guideline requirement xxx%.<br>|
| 409031176 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Cash flow analysis required using most recent xxx (xxx) months xxx xxx statements to determine no negative impact to xxx.\*xxx funds used to close the loan. | 12.10.2025 Client provided Lender xxx with xxx comments stating: xxx use of funds, based on review of xxx required for down payment and review of xxx and xxx assets provided, there would be no detrimental impact to the xxx by using xxx funds and stated as such with xxx letter in file attesting to this. Response, file having xxx, xxx, xxx and xxx xxx statement for xxx account xxx with increasing of balances each month, Cash flow analysis was not provided covering these xxx months however accepting Lender xxx and xxx Letter in file stating as such | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements xxx%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% is below guideline requirement xxx%.<br>|
| 118163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: xxx has been with current employer for xxx years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is xxx%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had no late or xxx credit history, xxx months reviewed.<br>|
| 409031205 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Active<br> C | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | Yes | Transaction date xxx. ROR expires on xxx and the disbursement date is xxx. Disbursement date is before end of statutory rescission period. Condition pending LOX, TIL or CD, proof of delivery, and New xxx to all entitled to rescind to re-open rescission (xxx for each recipient). Within xxx days of discovery. | 12/18/2025 client provided the Final xxx/Settlement Statement. Condition remains for Disbursement CD matching. | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409031205 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Active<br> C | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | Yes | Appraisal xxx Review fee $xxx was added to revised LE xxx section B. COC issued xxx does not list fee amount or give any details as to why fee was added. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $xxx w/ Proof of Delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 118164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx+ REO $xxx\*xxx= $xxx reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx. xxx mortgage payment history; xxx required.<br>|
| 118164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CD delivered only via xxx but there is no prior e-sign consent in file. Please provide electronic consent document. | 12/15/2025 Client provided xxx reflecting e-consent for both xxx & xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx+ REO $xxx\*xxx= $xxx reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx. xxx mortgage payment history; xxx required.<br>|
| 118164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE delivered only via e-mail but there is no prior e-sign consent in file. Please provide electronic consent document for both borrowers. | 12/15/2025 Client provided xxx reflecting e-consent for both xxx & xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx+ REO $xxx\*xxx= $xxx reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx. xxx mortgage payment history; xxx required.<br>|
| 118164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | xxx effective date xxx is the same day as disbursement. | 12.10.25- Hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for Purchase review. | 12.10.25- waived. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx+ REO $xxx\*xxx= $xxx reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx. xxx mortgage payment history; xxx required.<br>|
| 409031213 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Property Valuations | Property | Active<br> C<br> B | PRVAPROP177 | Property Issues Indicated | No | On appraisal under Site Comments it states the property is on xxx acres. xxxx xxx is maximum per Guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 118165 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 118165 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Lender Amount Points $xxx added to CD xxx without a change of circumstance in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/12/2025 Client provided COC xxx reflecting Lock with Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 409031243 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxxreserves; $xxx\*xxx= $xxxreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 118166 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx ; total reserves required $xxx.<br>|
| 409031263 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide xxx months canceled checks, or payment history showing xxx is paid by the borrowers xxx. Debt was omitted with no documentation confirming this debt was paid by others. | 11/25 Client provided a response that "xxx B3-xxxx allows the taxes in xxx of xxx months checks to exclude the xxx " Response this section xxx of xxxSeller guide addresses excluding xxx from rental income reported on form xxx ; the requirements of xxx requiring xxx months canceled checks still applies in this case to confirm the xxx consistently pays the obligation 12.4.2025 Client provided Borrowers xxx #xxx xxx xxx statement (for xxx and xxx/not on subject transaction) however will need xxx months evidence other party making this monthly payment of $xxx xxx debt for omission of this monthly debt, currently due to xxx being also on this xxx statement unable to determine whom is making this monthly payment. Condition remains 12/5 Client provided an approved exception to allow the file with out the xxx month canceled checks, using evidence provided and debt is on the xxx taxes | Upon review by xxx Condition is a Non Material xxx B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current xxx for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx , required reserves are $xxx.<br>|
| 118167 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below the maximum of xxx%<br>|
| 118167 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD xxx - section Non-Escrow Account in Loan Disclosures - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected PCD with LOE to borrower. | 12/16/2025 Client provided PCCD xxx with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below the maximum of xxx%<br>|
| 118167 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Per xxx located in file xxx with outstanding balance in the amount of $xxx to be paid on or prior to closing. No supporting documentation provided to verify account paid in full. Lender to provide supporting paid in full documentation. Documentation subject to further review DTI subject to recalculation more conditions may apply | 12.15.2025 Client provided credit xxx verifying xxx being paid off $xxx balance as of xxx xxx (prior to closing), not an xxx xxx and sufficient assets verified to cover payoff balance of $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above minimum program requirement of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below the maximum of xxx%<br>|
| 409031276 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable xxx with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 409031279 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx ; total reserves required $xxx.<br>|
| 409031450 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing a xxx for xxx within xxx days of note date. | 12.12.2025 Client provided xxx for xxx dated xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>|
| 118441 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has> xxx years at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement xxx%<br>|
| 409031516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is xxx%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had timely payments and no xxx occurrences, xxx months of credit history reviewed.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has had timely mortgage payments, xxx months reviewed.<br>|
| 118442 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years xxx months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% is below guideline max of xxx%.<br>|
| 409031589 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of xxxGuidelines require xxx months or $ xxx X xxx = $ xxx+xxx Months for Additional REO or $ xxx X xxx = $ xxx<br>|
| 409031594 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing xxx. xxx Score in file xxx, guideline requires xxx and below. | 12.17.2025 Client provided xxx party xxx valuation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx , required reserves are $xxx.<br>|
| 409031606 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had no history of derogatory credit, xxx months reviewed.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving xxx utilization ratio is xxx%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in current profession for xxx years.<br>|
| 409031606 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Loan file is missing completed xxx, xxx in file is xxx. | 12.20.2025 Client provided satisfactory xxx xxx payment history xxx for current xxx from xxx - current along with copy of xxx agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had no history of derogatory credit, xxx months reviewed.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving xxx utilization ratio is xxx%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in current profession for xxx years.<br>|
| 118443 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>|
| 409031640 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 409031641 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Per Tracking disclosure and COC xxx in file, a revised LE xxx was issued but is missing. | 12/12/2025 Client provided missing Last LE xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409031641 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $xxx due to increase in Discount Points from LE xxx to CD xxx with no valid COC/ updated Rate Lock in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/12/2025 Client provided COC xxx reflecting loan amount increase resulting in higher Origination xxx amount, however the xxx% stayed the same with missing LE xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 118444 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 409031689 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at current residence. xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has >xxx years at current job<br>|
| 118445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been living at current residence for xxx years.<br>|
| 118445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE xxx and LE xxx delivered via xxx but there is no prior e-sign consent in file. Earliest evidence of borrower's e-consent is xxx dated xxx. | 12/16/25 Client provided the xxx Disclosures xxx reflecting all E-Consents on xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been living at current residence for xxx years.<br>|
| 118446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower xxx year at current employment<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 118447 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal credit usage of xxx%.<br>|
| 409031825 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 118448 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx + xxx $xxx\*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmo. xxx mortgage payment history; xxx required.<br>|
| 118448 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender's ATR/QM status determination. | 12.12.2025 Client provided xxx w/QM xxx xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx + xxx $xxx\*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmo. xxx mortgage payment history; xxx required.<br>|
| 118449 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx/xxx months is sufficient to cover required reserves of $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx exceeds program minimum of xxx.<br>|
| 118195 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at the same residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in the same profession for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + xxx $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409032257 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 409032268 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide a copy of the xxx to support appraised value of $xxx. | 12.5.2025 Client provided xxx party xxx valuation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same line of work for xxx years<br>|
| 409032378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence >xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has >xxx years significant time at current job<br>|
| 118457 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of xxx months exceeds guidelines of xxx months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI at xxx% below guideline requirement of xxx%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of xxx years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of xxx years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job of xxx years<br>|
| 118458 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months mortgage payment history exceeds the xxx month guideline requirement by xxx months.<br>|
| 118459 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves of $xxx exceed the minimum guideline requirement of $xxx by $xxx.<br>|
| 118460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | 11/04/2025 client provided the lender's QM determination | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV AT xxx% below guideline requirements OF xxx%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of xxx months exceeds guidelines of xxx months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI at xxx% below guideline requirement of xxx%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of xxx years<br>|
| 118461 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum guideline requirement of xxx%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx month mortgage payment history exceeds the xxx month minimum guideline requirement by xxx months.<br>|
| 118462 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | xxx used on a lender to lender refinance- Regulation xxx designates the xxx rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the xxx form. Regulation xxx has language allowing the use of a substantially similar notice. xxx view has been that an xxx protects the lender and assignee to at least the same extent as an xxx, but xxx recognized that one could think that the mere existence of the xxx takes away the substantially similar notice argument. The majority of xxx that have opined on the issue have upheld the use of an xxx in a same-lender refinance; therefore, xxx grades the use of an xxx form in a same-lender refinance as a level 2 condition. | 11.21.2025 - Acknowledged by client. | 11.21.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum guideline requirement of xxx%.<br>|
| 118463 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>|
| 118464 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>|
| 118465 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx DTI below guideline of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx FICO exceeds guideline of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves of $xxx exceed requirement of $xxx.<br>|
| 118466 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure. | 10/15/2025 Client provided a Collaborate Comment: This loan does not have an affiliated business. Condition remains. Provide a signed letter of Attestation on Letter head for file and review. 10/27/2025 Client provided a signed attestation of having no Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV IS xxx% below the maximum guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>|
| 118466 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV IS xxx% below the maximum guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>|
| 118467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves of $xxx exceed the minimum guideline requirement of $xxx by $xxx.<br>|
| 118468 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | 11/10/2025 Client provided missing Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds the xxx minimum guideline requirement by xxx points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves of $xxx exceed the $xxx guideline requirement by $xxx.<br>|
| 118469 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Tax Service Fee increased from final LE xxx $xxx to initial CD xxx $xxx section B. No COC provided listing fee amount or any details as to why fee increased. No cure provided on final or Post CD. Condition pending receipt detailed COC with fee increase validated or additional Post CD reflecting lenders cure, LOX, Refund of $xxx w/ Proof of Delivery. | 12/05/25 Client provided a COC Detail showing Date of Change as xxx, however the Date Prepared is post-close/post-internal review on xxx. Condition remains for additional change documentation, from the time of the change (xxx), to support the increased Tax Service Fee. Subject to re-review.12/15/25 Client provided a xxx PCCD with cure, $xxx refund check, LOE and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score exceeds xxx min<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years in xxx<br>|
| 118469 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender QM determination | 12.3.2025 Client provided Lender QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score exceeds xxx min<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years in xxx<br>|
| 118470 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: xxx years at job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years in xxx<br>|
| 118471 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Score with xxx Min<br>|
| 118472 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Application | Waived<br> D<br> B | CRDAPP2298 | Missing Second Appraisal | No | Per guidelines, for refinance transaction with loan amount exceeding $xxx xxx appraisals are required. Appraisals must be completed by xxx (xxx) xxx xxx. The LTV will be determined by the lower of the xxx (xxx) appraised values if the lower appraisal supports the value conclusion. | 12/9 Client provided an approved exception to allow the file without xxx appraisals | Upon review by xxx xxx Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>|
| 118473 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor<br> D<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Loan funded xxx and insurance effective date is xxx; Provide insurance effective xxx | Client provided exception approval for Insurance Effective date is greater than the transaction date | xxx final grade B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Score exceeds xxx MIn<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has xxx years on Job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has xxx years at job<br>|
| 118473 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor<br> D<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | xxx indicates Risk ineligibility do to use of expired Blend report ; Information from an asset verification report and/or rent payment information from the credit report was used in the risk assessment for this loan casefile. Based on the date of the asset report(s) and the date of credit report(s), this loan must close on or before xxx (xxx; On review loan closed xxx making the loan ineligible; Provide a revised xxx approval with Blend assets updated or removed | 12/15 Client provided an updated xxx approval satisfying exception | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Score exceeds xxx MIn<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has xxx years on Job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has xxx years at job<br>|
| 118474 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx min xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 118475 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx min xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 118476 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx min xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 118476 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date xxx. Earliest LE provided is issued xxx Missing initial LE disclosed to borrower within xxx days of application date. | 12/04/25 Client provided the missing xxx LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx min xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 118476 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal Completed "Subject To" w/o Completion Cert in File | 12.10.2025 Client provided xxx subject to completion with subject being completed along with xxx/xxxphotos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx min xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 118477 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | xxx tolerance in the amount of $xxx as Discount points increased on CD xxx without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/03/25 Client provided an xxx from the Lender, copy of the xxx CD and the xxx xxx xxx /xxx showing the Lock Extension and price change. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx xxx xxx min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx= $ xxx+ xxx Months for Additional xxx or $ xxx xxx= $ xxx<br>|
| 118478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers statement. Consistent with the xxx we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; min xxxfor loans >$xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxxMonths<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI xxx% Max DTI allowed is xxx%<br>|
| 118478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance cure required for $xxx due to Appraisal fee increased from $xxx to $xxx on LE xxx and further increase to $xxx on LE xxx with final amount on final CD as $xxx with no valid reasons documented on any COCs in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/05/25 Client provided a duplicate copy of the xxx COC and the following Seller comment: The Appraisal increase was due to second appraisal required. Condition remains. The Appraisal Fee increased initially from $xxxto $xxxon LExxx without a valid reason listed on the xxx COC. Additionally, the xxx COC for the increase from $xxxto $xxxdoes not provide a valid explanation for what change occurred that prompted the 2nd Appraisal fee addition to the charge. Further documentation, from the time of the changes, is required to support these xxx fee increases. Subject to re-review.xxx Client provided a xxx Conversation Log from Lender showing an Email that states the first appraisal has been reviewed but due to loan amount exceeding $xxx, a second appraisal is required. Condition remains. The loan amount exceeded $xxx from application, therefore it's unclear why the second appraisal was not disclosed on the Initial LE. In addition, the Appraisal Fee increased initially from $xxx to $xxx on LE xxx without a valid reason listed on the xxx COC. Based on the documentation, borrower is due a refund of $xxx, PCCD with cure, LOE and proof of delivery that includes tracking information.xxx Client provided a xxx PCCD with cure, LOE and shipping label (tracking confirms package has shipped). Condition remains for a copy of the $xxx refund check.xxx Client provided the $xxx refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; min xxxfor loans >$xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxxMonths<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI xxx% Max DTI allowed is xxx%<br>|
| 118478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Assets | Waived<br> A<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxx months or $ xxx X xxx = $ xxx | 12/03/2025 client provided an approved exception for reserves not meeting guidelines. | Upon further review by xxx exception is deemed non-material due to DTI below guidelines and excellent credit history. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; min xxxfor loans >$xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxxMonths<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI xxx% Max DTI allowed is xxx%<br>|
| 118479 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx min.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current xxx<br>|
| 118479 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Assets | Waived<br> A<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient # of months cash reserves for PITI per guideline requirements Post Close Assets are $ xxx or xxxmonths of xxx Guidelines require xxx months or $ xxxX xxx= $ xxx+xxx Months for Additional xxx or $ xxx X xxx = $ xxx | 12/04/2025 client provided an approved exception for reserves not meeting guidelines. | Upon further review by xxx exception is deemed non-material due to xxx and xxx is below guideline, and xxx score exceeds guidelines. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx min.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current xxx<br>|
| 118480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx min for xxx xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 118481 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx xxx xxx min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of xxx Guidelines require xxx months or $xxx X xxx= $ xxx+ xxx Months for Additional xxx or $ xxx X xxx = $ xxx<br>|
| 118482 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect xxx xxx form was used instead of xxx xxx form | 12/2/25 Client provided an approved exception for using incorrect xxx form | 12/2/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx xxx min xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of xxx<br>|
| 118483 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx xxx xxx min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of xxx<br>|
| 118484 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx; xxx xxx xxx min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx of xxx<br>|
| 118485 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient # of months cash reserves for xxx per guideline requirements. Post Close Assets are $ xxx or xxx of xxxGuidelines require xxx months or $ xxx X xxx= $ xxx | 12/3 Client provided an approved exception to allow the file with xxx months reserves | Upon review by xxx Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good Mortgage payment history with xxx Late Payments > xxx Months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI xxx% Max DTI allowed is xxx%<br>|
| 118486 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Assets | Waived<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | xxx with loan amount over $xxx require xxx months reserves Verified reserves are $xxx or xxxShort reserves of -$xxxNote: same assets per Final xxx have been verified | 12/03/2025 client provided an approved exception for short reserves. | Upon further review by xxx exception is deemed non-material. Credit score exceeds guideline and xxx is below guideline requirements. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>|
| 118486 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | xxxMissing most recent xxx months housing xxx payment history | 12/03/2025 client provided an approved exception for missing most recent xxx payment history. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>|
| 118487 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 118487 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | xxx missing xxx months verification of rental payment history xxx months cancelled checks or bank statements required to verify satisfactory pay history between borrower and xxx.Borrower purchasing from their xxx, which is also seller on subject property. Currently living in subject property for past xxx years | 12/1 Client provided an Email that " this should be an auto waiver based on no xxx xxxx"; Upon review by xxx, the xxx indicates the Borrower is xxx not living xxx free. Due to the xxx aspect of the transaction xxx buying property from seller/ current xxx, xxx will require xxx months canceled checks, or bank statements or a VOR completed directly by the xxx with xxx month payment historyxxx Client provided an approved exception to allow the file without a current housing history | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 118488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx % below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in xx , both xxx over xx years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements / xxx xxx<br>|
| 118488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> B<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing xxx month xxx statement for xxx #xxx; statement in file dated xxx (xxx months required per xxx) | 12.10.2025 Client provided xxx month prior xxx xxx statement dated xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx % below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in xx , both xxx over xx years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements / xxx xxx<br>|
| 118488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC889 | Income is Not Reasonable | No | xxx update needed to reflect xxx xxx and xxx should reflect xxx or xxx year tax xxx requirement for xxx xxx income with xxx currently only reflect for xxx. xxx on xxx reflect xxx not being input as xxx due to only asking for a xxx and xxx (xxx% xxx) | 12/15 Client provided the corrected xxx with xxx year taxes required | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx % below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in xx , both xxx over xx years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements / xxx xxx<br>|
| 118488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | Missing all pages of executed Sales Contract supporting $xxx ; only xxx xxx in file | 12.10.2025 Client provided pages xxx of xxx Contract with price of $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx % below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in xx , both xxx over xx years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements / xxx xxx<br>|
| 118488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing updated xxx with changes: xxx Submission #xxx in filexxx on DU statements lender must request a xxx in-file xxx credit report and re-submit the DU. Credit report in file dated xxx with xxx ID xxx must be used in xxx and re-submitted for final xxx xxx Approval; currently xxx in-file xxx credit report was not used in xxx . | 12/15 client provided a corrected DU with correct credit input | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx % below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in xx , both xxx over xx years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements / xxx xxx<br>|
| 118489 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, xxx years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>|
| 118232 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 118232 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Regarding xxx on xxx property: xxx: Documentation in file (pg. xxx) for xxx PI (xxx xxx) however omitted from Lender DTI, only taxes, hoi and HOA was included in DTI. Missing evidence of omitting xxx for xxx property (xxx xxx)Maybe subject to reserves re-calculation and xxx changes. Note: Per xxx Report as of xxx this is in name of xxx / which is Borrower's xxx | 12/1 Client asked for a review; upon review the xxx report provided for xxx references a mortgage on the xxx xxx in the name of xxx; provide a copy of the xxx xxx statement to confirm the Borrower is not obligated on the loan and to xxx xxx12/1 Client provided an updated xxx report and credit screenshot tying the prior mortgage opened in xxx to credit report showing the prior obligation was paid in full and the property was conveyed to the xxx in xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 118233 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Assets | Waived<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | xxx months reserves required for this transaction with loan amount over $xxx ($xxx) Verified reserves $xxx or xxx months Required reserves $xxx and short reserves -$xxx Note: same verified assets per Final xxx and per xxx | 12/03/2025 client provided approved exception for short reserves per guidelines. | Upon further review by xxx exception is deemed non-material. xxx and xxx is below guidelines requirements and additional documented income not used in qualifying. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxxexceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession, over xxx years for both Borrowers<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional documented income (both borrowers xxxand xxx) not used in qualifying<br>|
| 118234 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation xxx designates the xxx rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the xxx form. Regulation xxx has language allowing the use of a substantially similar notice. xxx view has been that an xxx protects the lender and assignee to at least the same extent as an xxx, but xxx recognized that one could think that the mere existence of the xxx takes away the substantially similar notice argument. The majority of xxx that have opined on the issue have upheld the use of an xxx in a same-lender refinance; therefore, xxx grades the use of an xxx form in a same-lender refinance as a level B condition. | (No Data) | Initial & Final Grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%; max xxx%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%; max xxx%.<br>|
| 118235 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect xxx xxx form was used instead of xxx form. | 12/2/25 Client provided an approved exception for using incorrect xxx form | 12/2/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years xxx months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx verified reserves meets the Movement Bulk xxx requirement.<br>|
| 118236 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 118237 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx%<br>|
| 118238 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in line of work for xxx years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is xxx%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had timely credit history with no history of derogatory credit, xxx months reviewed.<br>|
| 118238 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | File is missing lender's xxx | 12.5.2025 Client provided Lender xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in line of work for xxx years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is xxx%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had timely credit history with no history of derogatory credit, xxx months reviewed.<br>|
| 118239 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient # of months cash reserves for xxx per guideline requirements. Post Close Assets are $ xxx, for xxx of xxxGuidelines require xxx months or $ xxx X xxx= $xxx | 12/3 Client provided an approved exception to allow the file with reserves of $xxx | Upon review by xxx Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with xxx Late Payments > xxx Months<br>|
| 118240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Documentation | Waived<br> D<br> B | CMPDOC3280 | One or more Applications in file are incomplete | No | Provide updated B1 xxx reflecting $xxx monthly xxx xxx used for income - as reflected on xxx, xxx findings and Lender notes page xxx and xxx combined file. | 12/15 Client provided an approved exception to allow the file without the updated xxx; income has been validated | Upon review by xxx, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement, no additional xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Incorrect ROR Form Used - xxx Form Used in Refinance With Original Creditor. As per the title report tin file, loan originated with the same lender. Correct xxx form to use for this transaction is xxx | 12/2/25 Client provided an approved exception for using incorrect xxx form | 12/2/25 Initial and final grade is 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement, no additional xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $xxx due to added Appraisal Review fee on revised LE xxx with no valid reasons documented on COC xxx. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/04/2025 Client provided a duplicate of LE xxx and COC xxx reflecting lock. Condition remains. Provide a valid reason specific xxx for the addition of the Appraisal review fee. 12/10/25 Client provided the original xxx Agreement and the following Seller comment: Please see initial rate lock attached along with updated rate lock attached previously. The rate was locked under a new program on xxx Fees, include the appraisal review fee, were updated due to program change per program guides. Lock shows Program change from xxx to xxx xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement, no additional xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Updated valuations in file is for appraisal that is not for the subject transaction. Once correct appraisal provided, provide updated evaluation on it meeting requirements. May be subject to additional conditions upon review. | 12/3 Client provided an exception to allow the file without an updated appraisal; xxx supports this appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement, no additional xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118240 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Waived<br> C<br> B | PRVAAPPR151 | Appraisal dated beyond acceptable date range per guidelines | No | 1. Note date : xxx, Appraisal date xxx xxx in file dated xxx.Dates do not meet below guidelines: 'Appraisal Update (Form xxx) is allowed for appraisals that are over xxx days aged but less than xxx days aged from Note'2. Guides: 'Appraisals must be completed for the subject transaction. Use of a prior appraisal, regardless of the date of the prior appraisal, is not allowed' not met. xxx appraisal is for subject's prior purchase; current subject transaction is for xxx.3. Provide updated appraisal and updated valuation meeting requirements. May be subject to additional conditions upon review. | 12/3 Client provided an approved exception to allow the file with the current appraisal | Upon review by xxx Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement, no additional xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 118241 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx in the same xxx for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx. xxxmortgage payment history; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 118242 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>|
| 118243 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Waived<br> B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Application date is xxx, xxx in file is dated xxx | 12/2/25 Client provided an approved exception for xxx not disclosed to borrower within xxx days of application. | 12/2/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median xxx>xxx points above guideline program minimum of xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>|
| 118243 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median xxx>xxx points above guideline program minimum of xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>|
| 118243 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date is xxx. Earliest LE in file is dated xxx. Loan Estimate was not provided to borrower within xxx days of application. | 12/04/25 Client provided a missing xxx LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median xxx>xxx points above guideline program minimum of xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>|
| 118243 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified Reserves $xxx. Required Reserves; Primary PITI (xxx) months $xxx + $xxx (xxx) months PITIA for Investment Property = $xxx. Short reserves ($xxx). | 12/3 Client provided an approved exception to allow the file with verified reserves of $xxx | Upon review by xxx Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median xxx>xxx points above guideline program minimum of xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>|
| 409032776 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409032776 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide xxx for xxx dated within xxx xxx days prior to the Note Date | 12.12.2025 Client provided xxx for xxx dated xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409032777 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409032939 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx.<br>|
| 409032948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has xxx years xxx months at current job.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx for xxx months exceeds guideline of xxx months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx is sufficient to cover required reserves $xxx.<br>|
| 409033269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx= $xxx reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-1** |
| **Start - End Dates:** | **9/26/2025 - 12/16/2025** |
| **Deal Loan Count:** | **264** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *264* |
| ***Loans with Conditions:*** | *192* |

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| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 118159 | XXXXXX | XXXXXX<br> A | No |
| 118161 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118283 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118284 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118285 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 118286 | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| 118287 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118288 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409023838 | XXXXXX | XXXXXX<br> A | No |
| 118289 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118290 | XXXXXX | XXXXXX<br> D<br> A<br> B | No |
| 409023920 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118291 | XXXXXX | XXXXXX<br> D<br> B<br> A<br> C | No |
| 118292 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118293 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409024266 | XXXXXX | XXXXXX<br> C<br> A<br> B | Not Applicable |
| 118294 | XXXXXX | XXXXXX<br> A | No |
| 118295 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409024621 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118297 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118298 | XXXXXX | XXXXXX<br> C<br> A | No |
| 118299 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118300 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118302 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409025319 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118303 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409025343 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409025351 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118304 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409025405 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118305 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 118306 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409025433 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118307 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409025455 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118308 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409025683 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409025688 | XXXXXX | XXXXXX<br> D<br> B<br> A | Yes |
| 118309 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409025733 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118310 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409025807 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409025910 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409025944 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118313 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118314 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118316 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118318 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 118320 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026096 | XXXXXX | XXXXXX<br> C<br> A<br> B | No |
| 118321 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118322 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026140 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409026144 | XXXXXX | XXXXXX<br> B<br> A | No |
| 118323 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118324 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118325 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118326 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 118327 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026221 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 118328 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409026251 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409026282 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118329 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118330 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118331 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409026338 | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| 409026348 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026353 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026358 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409026361 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118333 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118334 | XXXXXX | XXXXXX<br> C<br> A | Yes |
| 118335 | XXXXXX | XXXXXX<br> A | No |
| 118336 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026502 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 118337 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118338 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026537 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118339 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409026551 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026554 | XXXXXX | XXXXXX<br> A | No |
| 118340 | XXXXXX | XXXXXX<br> C<br> A | No |
| 118341 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026598 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 118342 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026626 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409026665 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118343 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118344 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409026901 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118345 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118347 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118348 | XXXXXX | XXXXXX<br> A | No |
| 118349 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409027013 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118351 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118352 | XXXXXX | XXXXXX<br> A | No |
| 118353 | XXXXXX | XXXXXX<br> C<br> A | No |
| 118354 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118355 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118357 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118358 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118359 | XXXXXX | XXXXXX<br> A | No |
| 118361 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118362 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409028980 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118363 | XXXXXX | XXXXXX<br> A | No |
| 409029024 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118364 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118365 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118366 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 118367 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029109 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029112 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 118368 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409029122 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118369 | XXXXXX | XXXXXX<br> A | No |
| 409029130 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 118370 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029134 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118371 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 118372 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118373 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118375 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118376 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 118377 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029279 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409029280 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118378 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118380 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118381 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 118382 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118383 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409030253 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118384 | XXXXXX | XXXXXX<br> A | No |
| 118385 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409030436 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030442 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409030446 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409030448 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409030458 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409030466 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 118406 | XXXXXX | XXXXXX<br> A | No |
| 409030490 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409030498 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030501 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409030525 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 118407 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118408 | XXXXXX | XXXXXX<br> A | No |
| 409030562 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030563 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030565 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118409 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030575 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409030583 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409030617 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 118410 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118411 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118412 | XXXXXX | XXXXXX<br> A | No |
| 118413 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409030879 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409030889 | XXXXXX | XXXXXX<br> A | No |
| 409030890 | XXXXXX | XXXXXX<br> A | No |
| 409030893 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409030894 | XXXXXX | XXXXXX<br> A | No |
| 118414 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118415 | XXXXXX | XXXXXX<br> A | No |
| 118416 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409030913 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030914 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030916 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118417 | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| 118418 | XXXXXX | XXXXXX<br> A | No |
| 118419 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118420 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031136 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031137 | XXXXXX | XXXXXX<br> A | No |
| 409031139 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118162 | XXXXXX | XXXXXX<br> A | No |
| 409031176 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118163 | XXXXXX | XXXXXX<br> A | No |
| 409031205 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118164 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409031213 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118165 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409031243 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118166 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031263 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 118167 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409031276 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031279 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031450 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118441 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031516 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118442 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031589 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031594 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031606 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118443 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031640 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031641 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118444 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031689 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118445 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118446 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118447 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031825 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118448 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118449 | XXXXXX | XXXXXX<br> A | No |
| 118195 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032257 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032268 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032378 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118457 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118458 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118459 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118460 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118461 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118462 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118463 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118464 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118465 | XXXXXX | XXXXXX<br> A | No |
| 118466 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118467 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118468 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118469 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118470 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118471 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118472 | XXXXXX | XXXXXX<br> D<br> B<br> A | Yes |
| 118473 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 118474 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118475 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118476 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 118477 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118478 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118479 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118480 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118481 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118482 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118483 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118484 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118485 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118486 | XXXXXX | XXXXXX<br> B<br> A | No |
| 118487 | XXXXXX | XXXXXX<br> B<br> A | No |
| 118488 | XXXXXX | XXXXXX<br> D<br> A | No |
| 118489 | XXXXXX | XXXXXX<br> A | No |
| 118232 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 118233 | XXXXXX | XXXXXX<br> B<br> A | No |
| 118234 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118235 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 118236 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118237 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118238 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 118239 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 118240 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 118241 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118242 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118243 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409032776 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409032777 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032939 | XXXXXX | XXXXXX<br> A | No |
| 409032948 | XXXXXX | XXXXXX<br> A | No |
| 409033269 | XXXXXX | XXXXXX<br> A | Not Applicable |

---

## Exhibit 99.7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-1** |  |  |  |
| **Start - End Dates:** | **9/26/2025 - 12/16/2025** |  |  |  |
| **Deal Loan Count:** | **264** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 2 |
| Credit | Credit/Mtg History | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 3 |
| Credit | Title | CRDTIL875 | Title Does Not Agree With Mortgage | 1 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 1 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 4 |
| Credit | Application | CRDAPP1813 | Undisclosed non-arm's length transaction | 1 |
| Credit | Application | CRDAPP2298 | Missing Second Appraisal | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 7 |
| Property Valuations | Appraisal | PRVAAPPR151 | Appraisal dated beyond acceptable date range per guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - xxx Form Used in Refinance With Original Creditor | 16 |
| Compliance | Documentation | CMPDOC3280 | One or more Applications in file are incomplete | 1 |
| Compliance | RESPA | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in xxx days of application | 3 |
| **Total** |  |  |  | **44** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.8

![](logo_amc.gif)

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#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in October 2025 on a mortgage loan with an origination date in February 2022 via files imaged and provided by the original client for review.

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 1 mortgage loan totaling an aggregate original principal balance of approximately $1.025 million.

(3) Determination of the sample size and computation.

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

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

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

---

| | | |
|:---|:---|:---|
| Appraised Value | Interest Only | Original P&I |
| Borrower First Name | Investor: Qualifying Total Debt Ratio | Property Type |
| Borrower Last Name | Occupancy | Purpose |
| City | Original CLTV | Representative FICO |
| Coborrower First Name | Original Interest Rate | State |
| Coborrower Last Name | Original Loan Amount | Street |
| Contract Sales Price | Original LTV | Zip |

---

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

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio

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![](logo_amc.gif)

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as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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

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

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

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

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

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![](logo_amc.gif)

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually <br>

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![](logo_amc.gif)

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agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

<br> a) <u>Rescission (§1026.23, §1026.15):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

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

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

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

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

<br> i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

<br> ii) proper execution by all required parties;

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

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

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

<br> i) failure to provide the applicable home equity initial and account opening disclosures

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

<br> f) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

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

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

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

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

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

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

<br> h) <u>Homeownership counseling (§1026.36):</u>

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

<br> i) <u>Mandatory Arbitration Clauses (§1026.36):</u>

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

<br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

<br> i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

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

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

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

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

<br> i) confirm the presence of the current GFE form in effect at the time of origination;

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

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

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

<br> v) confirm the presence of a settlement service provider list, as applicable.

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

<br> i) confirm current applicable HUD form was provided;

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

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

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

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

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

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

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

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

<br> i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

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

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

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

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

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

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

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

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

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

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

<br> i) confirm the presence of LE for applications on or after October 3, 2015;

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

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

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

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

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

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

<br> i) confirm the presence of CD for applications on or after October 3, 2015;

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization

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due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)<br>

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

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

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

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

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

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

<br> d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) timing and content of the right to receive copy of appraisal disclosure;

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Underwriting summary / loan approval (1008);

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

<br> ◾ Hazard and/or flood insurance policies;

<br> ◾ Copy of note for any junior liens;

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

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<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

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

(9) Disclaimer.

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

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

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responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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

#### OVERALL RESULTS SUMMARY
After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 1 | 1 | 1 | 1 | 1 |
| B | 0 | 0 | 0 | 0 | 0 |
| C | 0 | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 | 0 |
| **Total** | **1** | **1** | **1** | **1** | **1** |
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | A | 100.00% | 100.00% | 100.00% | 100.00% |
| B | B | 0.00% | 0.00% | 0.00% | 0.00% |
| C | C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

---

#### EXCEPTION CATEGORY SUMMARY
The table below reflects zero (0) individual exceptions which carried an associated "B", "C", or "D" level exception grade. None of the population carried an exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Grade** | **Exception Category** | **Total** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **0** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **0** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **0** |

---

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 1 mortgage loan reviewed, 1 mortgage loan had 3 different tape discrepancies across 3 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Original P&I, Appraised Value and Investor: Qualifying Total Debt Ratio. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

11 \| P a g e

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![](logo_amc.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Appraised Value | 1 | 1 | 100.00% | 1 |
| Borrower First Name | 0 | 1 | 0.00% | 1 |
| Borrower Last Name | 0 | 1 | 0.00% | 1 |
| City | 0 | 1 | 0.00% | 1 |
| Coborrower First Name | 0 | 1 | 0.00% | 1 |
| Coborrower Last Name | 0 | 1 | 0.00% | 1 |
| Contract Sales Price | 0 | 1 | 0.00% | 1 |
| Interest Only | 0 | 1 | 0.00% | 1 |
| Investor: Qualifying Total Debt Ratio | 1 | 1 | 100.00% | 1 |
| Occupancy | 0 | 1 | 0.00% | 1 |
| Original CLTV | 0 | 1 | 0.00% | 1 |
| Original Interest Rate | 0 | 1 | 0.00% | 1 |
| Original Loan Amount | 0 | 1 | 0.00% | 1 |
| Original LTV | 0 | 1 | 0.00% | 1 |
| Original P&I | 1 | 1 | 100.00% | 1 |
| Property Type | 0 | 1 | 0.00% | 1 |
| Purpose | 0 | 1 | 0.00% | 1 |
| Representative FICO | 0 | 1 | 0.00% | 1 |
| State | 0 | 1 | 0.00% | 1 |
| Street | 0 | 1 | 0.00% | 1 |
| Zip | 0 | 1 | 0.00% | 1 |
| **Total** | **3** | **21** | **14.29%** | **1** |

---

#### ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY
(some totals may not add due to rounding)

---

| | | | | |
|:---|:---|:---|:---|:---|
| Amortization Type | Loan Count | % of Loans | Original Balance | % of Balance |
| Fixed | 1 | 100.00% | $1025100.00 | 100.00% |
| Total | **1** | **100.00%** | **$1025100.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 1 | 100.00% | $1025100.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1025100.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Other-than-first-time Home Purchase | 1 | 100.00% | $1025100.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1025100.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 1 | 100.00% | $1025100.00 | 100.00% |

---

12 \| P a g e

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![](logo_amc.gif)

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---

| | | | | |
|:---|:---|:---|:---|:---|
| **Total** | **1** | **100.00%** | **$1025100.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 1 | 100.00% | $1025100.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1025100.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 1 | 100.00% | $1025100.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1025100.00** | **100.00%** |
| **Origination Channel** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Correspondent Flow with Delegated UW | 1 | 100.00% | $1025100.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1025100.00** | **100.00%** |
| **Review Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Credit/Compliance - TRID | 1 | 100.00% | $1025100.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1025100.00** | **100.00%** |

---

13 \| P a g e

## Exhibit 99.9

![](logo_situs.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 12/24/2025 4:32:45 PM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 112300415 | XXXX |  |  | A | A | A | A | A | A | A | A |  |

---

------

![](logo_situs.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 12/24/2025 4:32:45 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | 112300415 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |

---

------

![](logo_situs.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 12/24/2025 4:32:46 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| XXXX | 112300415 | XXXX |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | No |  | XXXX | XXXX |  | XXXX | XXXX | 2.1 | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Classic V5 Facta |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXXX |

---

------

![](logo_situs.jpg)

---

| |
|:---|
| **ASF** |
| **Run Date - 12/24/2025 4:32:46 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T/C Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | 112300415 | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

![](logo_ca.jpg)

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

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans purchased by Redwood Residential Acquisition Corporation. The review included a total of 269 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2026-1 (the "Securitization"). The Review was conducted from November 2025 through December 2025 on mortgage loans originated between June 2025 and November 2025.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

------

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

<br> f. Confirm that Final 1003 is sufficiently completed

<br> g. Provide Audit 1008 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

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

<br> j. General QM for any loans originated under the GQM Rule

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

<br> o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan);

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

------

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

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

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

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

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

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

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and HighCost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

------

<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

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

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

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

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

<br> b. Review appraisal, determination that property is completely constructed and appraisal is on an "as is basis," or property is identified as not completely constructed by originating appraiser.

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

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

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

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

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

------

For loans reviewed in a post-close valuation review scenario (269 loans in total):

Five (5) loans had a Secondary Appraisal, zero (0) loans had an AVM, and one hundred seven (107) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

One (1) loan had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the two hundred sixty-nine (269) mortgage loans reviewed, ten (10) unique mortgage loans (3.72 % by loan count) had a total of ten (10) discrepancies across two (2) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Loan Purpose | 9 | 90.00% |
| Cash out Include Debt Paid at Close | 1 | 10.00% |
| **Grand Total** | **10** | **100.00%** |

---

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 237 | $294073482.00 | 88.10% |
| Event Grade B | 32 | $40870028.00 | 11.90% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 269 | $334943510.00 | 100.00% |

---

------

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 259 | 96.28% |
| Event Grade B | 10 | 3.72% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 269 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 246 | 91.45% |
| Event Grade B | 23 | 8.55% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 269 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 267 | 99.26% |
| Event Grade B | 2 | 0.74% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 269 | 100.00% |

---

------

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

------

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 218 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 5 |
| Credit | A | Title Document Missing | 3 |
| Credit | A | Missing final HUD-1 from sale of non-subject property | 3 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 3 |
| Credit | A | Audited DTI Exceeds AUS DTI | 3 |
| Credit | A | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 3 |
| Credit | A | Asset Qualification Does Not Meet Guideline Requirements | 3 |
| Credit | A | Borrower 1 3rd Party VOE Prior to Close Missing | 2 |
| Credit | A | Audited DTI Exceeds Guideline DTI | 2 |
| Credit | A | Borrower 1 Tax Returns Not Signed | 2 |
| Credit | A | The Total Hazard Coverage is LESS than the Required Coverage Amount | 2 |
| Credit | A | Missing explanation and supporting documentation for large deposit(s) | 1 |
| Credit | A | HO6 Master Insurance Policy is Missing | 1 |
| Credit | A | Missing Letter of Explanation (Credit) | 1 |
| Credit | A | The Deed of Trust is Missing | 1 |
| Credit | A | Borrower 2 Photo Identification not provided | 1 |
| Credit | A | Missing Letter of Explanation (Income) | 1 |
| Credit | A | Borrower 1 Paystubs Missing | 1 |
| Credit | A | Borrower 1 Photo Identification not provided | 1 |
| Credit | A | Assets do not meet guideline requirements | 1 |
| Credit | A | HO-6 Insurance Policy is Missing | 1 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 1 |
| Credit | A | Condominium Project is Non-Warrantable | 1 |
| Credit | A | No evidence of required debt payoff | 1 |
| Credit | A | Fraud Report Shows Uncleared Alerts | 1 |
| Credit | A | The Initial 1003 is Missing | 1 |
| Credit | A | Guideline Seasoning not Met | 1 |
| Credit | A | Title Document is Partially Present | 1 |
| Credit | A | Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| Credit | A | Approval/Underwriting Summary Partially Provided | 1 |
| Credit | A | Hazard Insurance Policy is Missing | 1 |

---

------

---

| | | | |
|:---|:---|:---|:---|
|  |  | ***Total Credit Grade (A) Exceptions:*** | ***269*** |
|  | B | Title Coverage is Less than Subject Lien | 9 |
|  | B | Audited DTI Exceeds Guideline DTI | 1 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | ***10*** |
| Compliance | A | No Compliance Findings | 220 |
| Compliance | A | Charges That Cannot Increase Test | 7 |
| Compliance | A | Revised Loan Estimate Delivery Date Test (prior to consummation) | 4 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 4 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 3 |
| Compliance | A | CA Per Diem Interest Amount Test | 1 |
| Compliance | A | Final CD: Disbursement Date is missing or inaccurate | 1 |
| Compliance | A | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | 1 |
| Compliance | A | eSigned Documents Consent is Missing | 1 |
| Compliance | A | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | 1 |
| Compliance | A | Missing Required Affiliated Business Disclosure | 1 |
| Compliance | A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 1 |
| Compliance | A | ***Total Compliance Grade (A) Exceptions:*** | ***245*** |
| Compliance | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 11 |
| Compliance | B | Charges That Cannot Increase Test | 6 |
| Compliance | B | Lender Credits That Cannot Decrease Test | 5 |
| Compliance | B | Charges That In Total Cannot Increase More Than 10% Test | 3 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***25*** |
| Property | A | No Property Findings | 250 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 2 |
| Property | A | The appraiser was not licensed (Primary Value) | 2 |
| Property | A | HOA Questionnaire is Missing | 1 |
| Property | A | Condo Approval Missing | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***256*** |
| Property | B | HOA Does Not Meet Guidelines | 1 |
| Property | B | Condo Approval Missing | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***2*** |

---

------

#### Event Grade Definitions

---

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

---

---

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

---

------

---

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

---

---

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

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## Exhibit 99.11

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 118296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) <br>| Loan Review Complete <br>|  |  |  |  |  |  |  |  |  |  | A |
| 118317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Rescinded | finding-3716 | Compliance | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. NA NA |  | 11/30/2025 |  | 11/30/2025 | C<br> B<br> A |
| 118317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Rescinded | finding-3719 | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.[[(12 CFR ##_DN_## , transferred from 12 CFR ##_CM_##)The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.[[(12 CFR ##_DN_## , transferred from 12 CFR ##_CM_##)The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX |  | 11/30/2025 | NA | 11/30/2025 | C<br> B<br> A |
| 118317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_DL_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. The COC dated XX/XX/XXXX does not provide an acceptable reason for the recording fee to increase. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 11/30/2025 | Cure package provided, exception downgraded to a 2/B; | 11/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Insurance policy Effective Date is XX/XX/XXXX | ; ; Document Uploaded. PCCD and FSS showing disbursement date is within effective time.; Documentation and comment received, XXX review.; | 11/21/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; PCCD received showing disbursement date same as insurance XX/XX/XXXX | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Required insurance coverage is XXX Please upload an amended policy showing sufficient coverage in the amount of XXX | ; Documentation received in XXX review.; ; Document Uploaded. ; | 11/21/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409019547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Rate Lock Extension from CD XX/XX/XXXX to CD XX/XX/XXXX. There is a COC dated XX/XX/XXXX for lock extension, but the fee wasn't disclosed until XX/XX/XXXX which is more than XXX business days from the change. | ; ; Document Uploaded. ; Documentation received in XXX review.; ; Documentation received, XXX review.; Document Uploaded. ; ; Document Uploaded. The check will take XX/XX/XXXX days ; Documentation received, XXX review.; | 11/21/2025 | Cure package provided, exception downgraded to a 2/B; PCCD and check provided, please provide proof of delivery and exception can be downgraded.; Exception remains: Please provide copy of PCCD, check and proof of delivery. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower is XXX and owns XXX businesses. Unable to calculate the complete income calculation since documentation is missing. The 2022 and 2023 Schedule C reflects Construction a construction business. Unable to determine which business is attached to the Schedule C. Entered income amounts from the 1003, \*XXX XXX 1120s and K-XXX have been provided. Borrower owns XXX% Calculated income is $XXX. \*XXX- missing XXX year's Tax Returns per AUS. \*AMS Farms- Missing XXX year's Tax Returns per AUS. \*XXX - XXX and XXX provided. AUS requires XXX year's tax returns. \*XXX - Missing XXX year's Tax Returns per AUS. \*XXX- Missing XXX year's Tax Returns per AUS. Missing third party verification for XXX, XXX, XXX, XXX and XXX. | XX/XX/XXXX are showing a business loss, we don't require business tax returns for business losses, review the Schedule E loss to calculate. | 11/07/2025 | Secondary and separate sources of self employment losses reporting on transcripts/1040s must be deducted from income, but no additional documentation is required. See p4 of guidelines. Condition rescinded. | 11/11/2025 | D<br> A |
| 118197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Documentation is missing for the sale and net proceeds of XXX Final CD for the sale of this property could not be located in the file. Also, Unable to source XXX transfer from XXX bank on XX/XX/XXXX to XXX account ending in XXX | Document Uploaded. Please see the attached settlement Statement. | 11/07/2025 | Asset Qualification Meets Guideline Requirements. Received the final settlement Statement confirming the proceeds from the sale. Updated assets - resolved. | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 118197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 XXX Insurance Policy Unable to locate the XXX Insurance Policy for XXX. | There is no XXX policy, an HO3 is required by the condo XXXd, thus no XXX policy is required. | 11/07/2025 | HO-6 XXX Insurance Policy is fully present. Confirmed the borrower is a site condo and a XXX policy is not required. | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409033017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.11% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.11% is less than Guideline CLTV of 89.99%<br> A |
| 409033017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.21% is less than Guideline LTV of 62.21% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline CLTV of 62.21%<br> A |
| 409033017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.21% is less than Guideline LTV of 62.21% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline CLTV of 62.21%<br> A |
| 118169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.21% is less than Guideline CLTV of 62.21% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline CCLTV of 62.21%<br> A |
| 118171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.14% is less than Guideline LTV of 63.14% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.14% is less than Guideline CLTV of 63.14%<br> A |
| 118171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.14% is less than Guideline LTV of 63.14% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.14% is less than Guideline CLTV of 63.14%<br> A |
| 118199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR 1002.14(a)(1)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credits that cannot decrease violation in the amount of XXX is due to decrease from XXX to $XXX. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason for the change may cure the violation. | Document Uploaded. Please see uploaded document, PCCD, LOE, shipping label and cure check | 11/12/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 118175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 118175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409033027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE0363 | Credit | Condominium Project is Non-Warrantable | When the subject Property Type is a (Condominium) and the Loan Program is Agency (DU) the Condominium Project: (No), in all circumstances, must be XXX. | Document Uploaded. Please see attached confirming the condo is eligible. ; The loan program is not agency and the product is Jumbo. The loan/condo is elligible. | 11/12/2025 | The Condo Project is XXX.; Per the Jumbo Smart XXX Year guidelines, a Non-XXX condo is an ineligible property. Please review and advise. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR 1002.14(a)(1)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on LE XX/XX/XXXX without a COC. | Document Uploaded. Please see attached CIC confirming the scredit score changed on XX/XX/XXXX which impacts the pricing of the loan and reduced the lender credits. | 11/07/2025 | Valid COC provided; Exception resolved | 11/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Missing YTD paystub, W2income was used | Paystubs were not used nor required. The self employment income was calculated using the business tax returns as well as the XXX w2. This is common for this type of income. Paystubs are not required. | 11/07/2025 | Borrower 1 Paystubs Provided. Confirmed, borrower is self XXX and paystubs are not a requirement. | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.14% is less than Guideline CLTV of 63.14% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.14% is less than Guideline CCLTV of 63.14%<br> A |
| 118181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.25% is less than Guideline LTV of 79.25% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.25% is less than Guideline CLTV of 79.25%<br> A |
| 118181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.25% is less than Guideline LTV of 79.25% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.25% is less than Guideline CLTV of 79.25%<br> A |
| 118182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.25% is less than Guideline CLTV of 79.25% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.25% is less than Guideline CCLTV of 79.25% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.24% is less than Guideline LTV of 47.24% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.24% is less than Guideline CLTV of 47.24% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.24% is less than Guideline LTV of 47.24% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.24% is less than Guideline CLTV of 47.24% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Unable to Resolve-seller accepts; no change to grading. | 11/11/2025 | Confirmed : Unable to Resolve-seller accepts; no change to grading. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 118207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 118207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 118183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Rescinded | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DH_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on final CD. Re-disclosure history was not found in file. | Please be advised the rate was locked on the XX/XX/XXXX Loan Estimate and disclosed lender credits of XXX the lender credits did not decrease on the final CD. Please be advised all fees were covered by lender credits, any additional credits were provided as a XXX reduction to the first lien on the 3rd page of the final CD. | 11/11/2025 | Valid COC in file; exception resolved; Valid COC in file; exception resolved | 11/12/2025 | C<br> A |
| 118184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.24% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.24% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.05% is less than Guideline LTV of 78.05% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.05% is less than Guideline CLTV of 78.05% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.05% is less than Guideline LTV of 78.05% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.05% is less than Guideline CLTV of 78.05% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title is missing and required per agency guidelines | Document Uploaded. Please see the attached title commitment. | 11/11/2025 | Title Document is fully Present | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.05% is less than Guideline CLTV of 78.05% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.05% is less than Guideline CCLTV of 78.05% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.37% is less than Guideline LTV of 69.37% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.37% is less than Guideline CLTV of 69.37% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.37% is less than Guideline LTV of 69.37% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.37% is less than Guideline CLTV of 69.37% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.37% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.37% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.88% is less than Guideline CLTV of 71.88% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 71.88% is less than Guideline CCLTV of 71.88% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.88% is less than Guideline CLTV of 71.88% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 71.88% is less than Guideline CCLTV of 71.88% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Per the title commitment the proposed insured amount is XXX | Unable to Resolve-Seller acknowledges exception, no change to grading. | 11/11/2025 | Confirmed = Unable to Resolve-Seller acknowledges exception, no change to grading. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DH_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. Please see the attached initial closing disclosure. | 11/11/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed | Document Uploaded. Please see the attached guideline confirming that the signed 4506C satisfies the need for signed returns. | 11/11/2025 | Borrower 1 Tax Returns Are Signed | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118387 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.88% is less than Guideline LTV of 71.88% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.88% is less than Guideline LTV of 47.39% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118387 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 47.39% is less than Guideline LTV of 47.39% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.39% is less than Guideline LTV of 47.39% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118387 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 47.39% is less than Guideline LTV of 47.39% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.39% is less than Guideline LTV of 47.39% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.39% is less than Guideline CLTV of 47.39% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.39% is less than Guideline CCLTV of 47.39%<br> A |
| 118433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.45% is less than Guideline LTV of 73.45% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.45% is less than Guideline CLTV of 73.45%<br> A |
| 118433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.45% is less than Guideline LTV of 73.45% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.45% is less than Guideline CLTV of 73.45%<br> A |
| 118216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing | Document Uploaded. Please see the attached prelim title commitment, note the final title policy is a trailing document.; Document Uploaded. Please see attached final title policy. | 11/14/2025 | Title Document is fully Present; Only the Delivery Instructions attached. Please provide a copy of the Title Policy. | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.45% is less than Guideline CLTV of 73.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.45% is less than Guideline CCLTV of 73.45% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Rescinded | FCOM2276 | Compliance | Final CD: Disbursement Date is missing or inaccurate | The disbursement date of XX/XX/XXXX is prior to the ROR cancel by date of XX/XX/XXXX. | The disbursement date does not impact rescission. The borrower still had the right to rescind the loan even though it had disbursed. Post Close rescission is a valid cure when applicable on loans where rescission is a material issue long after disbursement. This is not the case for this loan but we've opened rescission on other loans when necessary. Please cancel this exception. Despite disbursement, the borrower still had the correct period. | 11/12/2025 | Not required; Exception resolved | 11/13/2025 | D<br> A |
| 118435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Variance in the income and dti. In calculation of borrower's self-employment income, included Schedule L mortgage payable in less than XXX year- $XXX.. Documentation was not found to regarding this line item. Auditor used income amount of $XXX. Also could not locate lease agreement for XXX. Notes State that borrower is receiving XXX in rental income from this property. It was previously rented for a partial year and current rental amount is not documented. | Document Uploaded. Please see the attached broker verification that borrower indicates the Schedule L business notes payable are from credit cards & is excludable. ; Document Uploaded. No additional documentation is required for the Sch L mortgage payable as we factored in the full loss of XXX Documentation would only be required if we were omitting and excluding that from the calculation. There is no lease for XXX as the property was previously the borrowers mothers primary residence and was converted into a rental. This is why there were only XXX days or XXX months. The income calculation is as follows, we have also attached a corrected 1003 and XXX with rental income of $XXX: Rented XXX days = XXX months Line XXX: $- XXX; Line XXX: $XXX; Line XXX: $XXX; Line XXX: $XXX; Line XXX: XXX Calc: - XXX+XXX+XXX+XXX+XXX = XXX / XXX = XXX - XXX PITI - XXX tax/ins = XXX; The mortgage note that is tied to the sch L can be found on pg411 in the PDF package. Additionally, the lease XXXd with XXX Cherry Ln confirming XXX per monthn begins on pg254 in the PDF package. This supports the amount XXX used to qualify, please use this to resolve the exception. | 12/10/2025 | Lender exception provided with the following comp factors: XXX FICO, XXX in monthly residual income, mortgage history dating back to XXX with no adverse marks, revolving/installment history dating back to XXX with no adverse marks, no BK or judgments in the last XXX years, B1 has been self XXX for XXX years, 85% LTV/CLTV, $XXXk in excess reserves about the XXX required reserves verified.; Sch L amount of XXX was excluded per attached email from Broker confirming amount is for credit card. DTI of XXX% still exceeds XXX% DTI Max due to correct calculation of XXX days divided by XXX days per year = XX/XX/XXXX months, so $XXX/XXX months = XXX minus PITI XXX = XXX net rental income. Audit's REO income is XXX based on XXX Sch E income and expenses of XXX minus XXX for PITIA (XXX + XXX Taxes + XXX HOI based expense docs in the loan file).; Audited DTI of XXX% exceeds Guideline DTI of XXX%; Audit agrees with the figures except for the XXX days Rented equaling XXX months. XXX days divided by XXX days per year = XXX months, so $XXX/XXX months = XXX minus PITI XXX = XXX net rental income. Audit's REO income is XXX based on XXX Sch E income and expenses of XXX minus XXX for PITIA (XXX + XXX Taxes + XXX HOI based expense docs in the loan file). Audit's DTI is still XXX% which exceeds the XXX% DTI Max.; The REO for XXX is contributing to the higher XXX% DTI. Audit REO income is XXX based on XXX Sch E income and expenses of XXX minus XXX for PITIA vs lender's REO income amount of $XXX. There is no evidence of current rents for XXX.; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 118227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. ((12 CFR ##_DJ_##(ii)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Unable to Resolve-Seller acknowledges exception, no change in grading | 11/14/2025 | Acknowledged as 2/B grading per client request. | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 118227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 118229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DJ_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal review fee. | Document Uploaded. Please see the attached cic records, receipt of the SSR report (corrected on XX/XX/XXXX) that confirmed the CU score is > XXX. Once we knew that on XX/XX/XXXX, we redisclosed and added the fee on the initial CD XX/XX/XXXX | 11/13/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Proof of B3 & B4 PITIA for XXX is missing. | ; Documentation received, XXX review ; Document Uploaded. ; ; | 11/20/2025 |  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118332 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | ; Documentation received in XXX review.; Document Uploaded. ; | 11/20/2025 | Required Affiliated Business Disclosure Documentation Provided; Received ABA | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline CLTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CCLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 Cure Required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase in Transfer Taxes on the revised CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for the fee increase, additionally, the tolerance cure of XXX on the final CD dated XX/XX/XXXX cured the Credit Report Fee tolerance violation of XXX but was insufficient to cure the Transfer Tax increase. Please provide a valid COC or cure package. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DJ_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | ; Documentation received, XXX review.; Document Uploaded. ; Condition updated - XXX; Documentation received in XXX review.; Document Uploaded. ; | 11/29/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower was missing a copy of the check; will downgrade upon receipt of the check copy | 11/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 118315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Email in file from consumer, confirms receipt of appraisal on XX/XX/XXXX. | ; ; ; | 11/29/2025 | UCDP CU score of XXX is contained in the loan file. ; Third party valuation product provided within tolerance. | 11/29/2025 | C<br> B<br> A |
| 118301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Please provide documentation to support noted life pension for Borrower 2 ($XXX). Also provide documentation to support noted XXX distribution. Brighthouse distribution was only verified at monthly $XXX. | ; Documentation received, XXX review.; Document Uploaded. Please see attached income documents to support all income used for the file. Please let me know if you need further information. ; ; ; ; ; ; | 11/29/2025 | Income and Employment Meet Guidelines | 11/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 118301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Per documentation in file, Borrower 2 primary P&I is XXX per Statement and credit report. Lender used $XXX.. This caused the DTI exceed XXX%. | ; ; ; | 11/18/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 11/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 118301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Guidelines require a XXX months consecutive bank Statements for Asset used. Missing XXX consecutive months for Security Service FCU #XXX and #XXX. Statement from XX/XX/XXXX only provided. | ; ; ; ; | 11/18/2025 | Asset Qualification Meets Guideline Requirements | 11/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 118301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Per LOE from borrower1, XXX AUD resulted in new credit, however; the tradeline is not on the credit report. Please provide Statement for new credit including payment and balance information. | ; ; | 11/18/2025 | New debt is accounted for on credit report | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP over XXX no secondary valuation was provided | ; Documentation received in XXX review.; Document Uploaded. ; ; | 11/25/2025 | Third party valuation product provided within tolerance. | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 118319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed Personal tax returns must be signed, or tax transcripts provided. | ; Documentation received in XXX review.; Document Uploaded. ; ; | 11/25/2025 | Borrower 1 Tax Returns Are Signed | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 118319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required: 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent on or before that date. | ; ; Documentation received, XXX review.; Document Uploaded. Document submitted. ; ; | 11/19/2025 | Evidence of eConsent is provided.; Received E-consent | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 409013861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The appraisal report in file indicates the subject has HOA fees of XXX per month. The XXX AUS, and FCD do not reflect HOA dues, resulting in DTI variance which is still within tolerance. The subject property is only a XXX unit condominium, so lack of HOA dues is not unusual. However, there is also a XXX insurance policy which reflects a policy amount that would equal roughly XXX per month, not included in DTI. Clarification of monthly maintenance fees required. | ; Documentation and comment received, XXX review.; Document Uploaded. ; ; | 11/30/2025 | updated appraisal with HOA fees provided. | 11/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409013861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Per F1003, in early XXX the Borrower relocated to XXX from XXX and is living rent free in XXXX. New employer address in XXX. Subject is in XXX. Missing LOX from borrower to clarify occupancy/relocation and verify no impact on employment. | ; Documentation received, XXX review.; Document Uploaded. ; | 11/20/2025 |  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline CLTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CCLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.08% is less than Guideline LTV of 74.08% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.08% is less than Guideline CLTV of 74.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.08% is less than Guideline LTV of 74.08% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.08% is less than Guideline CLTV of 74.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.08% is less than Guideline CLTV of 74.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.08% is less than Guideline CCLTV of 74.08%<br> A |
| 118178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.35% is less than Guideline CLTV of 61.35% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.35% is less than Guideline CCLTV of 61.35%<br> A |
| 118178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.35% is less than Guideline CLTV of 61.35% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.35% is less than Guideline CCLTV of 61.35%<br> A |
| 118179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.35% is less than Guideline LTV of 61.35% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.35% is less than Guideline LTV of 77.42% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.42% is less than Guideline LTV of 77.42% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.42% is less than Guideline LTV of 77.42% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.42% is less than Guideline LTV of 77.42% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.42% is less than Guideline LTV of 77.42% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DJ_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in appraisal fees from Initial LE to Final CD. No valid COC located in file. | Document Uploaded. Please see the cure redisclosure package attached; Please provide clarification on the exception as an increase to the appraisal fee would be subject to XXX% tolerance, not XXX% Additionally, the fee was disclosed as XXX on the initial LE and did not increase at any point thru the final CD. | 11/25/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in appraisal fees from Initial LE to Final CD. No valid COC located in file. The first LE in file dated XX/XX/XXXX (pg XXX) shows the appraisal fee was disclosed as XXX and increased to XXX on the final CD | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.42% is less than Guideline CLTV of 77.42% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.42% is less than Guideline CCLTV of 77.42% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE4963 | Credit | No evidence of required debt payoff | The loan file is missing proof of the taxes being paid and source of funds used to pay the taxes off. (XXX $ XXX and XXX $ XXX) | Please be advised the XXX was backed out from XXX #XXX and XXX was backed out from XXX 401k #XXX to cover the taxes; Please provide clarification on where you are obtaining the amounts and what type of taxes the exception is referencing. Thank you | 11/21/2025 | Updated Asset account balances based on amounts below for IRS tax payment amounts due.; The amounts below are for the borrower's IRS taxes owed. Please proof of the IRS taxes owed being paid and source of funds used to pay the taxes off. (XXX $ XXX and XXX $ XXX). | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.88% is less than Guideline LTV of 79.88% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.88% is less than Guideline CLTV of 79.88% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.88% is less than Guideline LTV of 79.88% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.88% is less than Guideline CLTV of 79.88% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.88% is less than Guideline CLTV of 79.88% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.88% is less than Guideline CCLTV of 79.88% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.65% is less than Guideline LTV of 65.65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.65% is less than Guideline CLTV of 65.65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.65% is less than Guideline LTV of 65.65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.65% is less than Guideline CLTV of 65.65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Please see page XXX of the loan file which confirms the appraisal took place on XX/XX/XXXX. Please see page XXX of the loan file which confirms the appraiser's license expired on XX/XX/XXXX. This confirms the appraiser was licensed at time of the appraisal. | 11/17/2025 | Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.65% is less than Guideline CLTV of 65.65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.65% is less than Guideline CCLTV of 65.65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.04% is less than Guideline CLTV of 72.04% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.04% is less than Guideline CCLTV of 72.04% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.04% is less than Guideline CLTV of 72.04% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.04% is less than Guideline CCLTV of 72.04% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The loan application reflects an HOA fee of XXX per month. The appraisal does not indicate an HOA. Provide the HOA bill to verify the fee. | Document Uploaded. Please see attached confirmation of no HOA dues along with an updated 1003 and XXX | 11/17/2025 | HOA Questionnaire Provided | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.04% is less than Guideline LTV of 72.04% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.04% is less than Guideline LTV of 73.75%<br> A |
| 118426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 73.75% is less than Guideline LTV of 73.75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.75% is less than Guideline LTV of 73.75%<br> A |
| 118426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 73.75% is less than Guideline LTV of 73.75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.75% is less than Guideline LTV of 73.75%<br> A |
| 118429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118430 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.75% is less than Guideline CLTV of 73.75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.75% is less than Guideline CCLTV of 73.75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118430 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.7% is less than Guideline LTV of 79.7% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 79.7% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118430 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.7% is less than Guideline LTV of 79.7% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 79.7% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. ((12 CFR ##_DJ_##(ii)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 11/17/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 409033058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 409033058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DJ_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Lender credit decreased on the CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. Please see the screen shots attached confirming the lender credit decrease on XX/XX/XXXX was the result of a change in interest rate from XX/XX/XXXX to XXX. With the lower rate, we were not able to extend the same amount in credits. The screen shots attached are from our internal UW system and show the pricing related changes that were then redisclosed to the borrower on XX/XX/XXXX | 11/17/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan file is missing verification of the earnest money deposit of XXX | In the asset report for account #XXX of XXX, a XXX wire withdrawal occurs that is dated the same day that we received the signed XXX agreement. In addition, the signed XXX agreement is acceptable as receipt of the earnest money deposit. | 11/18/2025 | Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 118223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The loan file is missing Borrower 2 previous year W2. | Document Uploaded. Please see the attached XXX W2. ; Document Uploaded. Please see the attached W2. | 11/19/2025 | Income and Employment Meet Guidelines; XXX W2 provided; however the XXX W is still needed. Please provide.; Income and Employment Do Not Meet Guidelines | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 118223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file is missing verification of the REO properties monthly HOA payment. | Document Uploaded. Please see the attached HOA verification from zillow. | 11/18/2025 | REO HOA document received. | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118226 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118226 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118226 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DJ_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee being paid by the borrower on the PCCD dated XX/XX/XXXX. Fee was originally disclosed as a lender paid fee and is subject to XXX% tolerance. Please provide a cure package. | Document Uploaded. Please see attached package mailed to the borrower.; Please disregard the prior response as it was sent in error, please be advised the cost to the borrower did not change as they had already paid the fee outside of closing. Lender credits did not increase and neither did cost to borrower.; Document Uploaded. Please see attached seller CD as confirmation.; Please be advised the appraisal fees were bifurcated on the final CD and then broken out on the post-close CD, the lender credits were unable to be put towards the appraisal review fee due to the fee being already paid by the borrower, therefore the credits had to be applied elsewhere. Note the overall amount of credits did not decrease. | 11/25/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The XXX% tolerance violation is due to the addition of the Appraisal Review Fee being paid by the borrower on the PCCD dated XX/XX/XXXX. Fee was originally disclosed as a lender paid fee and is subject to XXX% tolerance. Please provide a cure package.; Agree that the lender credit totals did not decrease, however the fees were not disclosed as paid by the borrower until the PCCD which is a XXX% tolerance fee. Fees cannot be rebaselined on a PCCD | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.7% is less than Guideline CLTV of 79.7% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CCLTV of 79.7% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.82% is less than Guideline LTV of 62.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.82% is less than Guideline CLTV of 62.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.82% is less than Guideline LTV of 62.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.82% is less than Guideline CLTV of 62.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.82% is less than Guideline LTV of 62.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.82% is less than Guideline CLTV of 62.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.82% is less than Guideline LTV of 62.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.82% is less than Guideline CLTV of 62.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.82% is less than Guideline LTV of 62.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.82% is less than Guideline CLTV of 62.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Provide HOI dec page. | Document Uploaded. | 11/19/2025 | Hazard Insurance Policy is fully present | 11/19/2025 | D<br> A |
| 118516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | D<br> A |
| 118516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | D<br> A |
| 118438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | A |
| 118438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | A |
| 118438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | A |
| 118451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.82% is less than Guideline CLTV of 62.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.82% is less than Guideline CCLTV of 62.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline CLTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CCLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.77% is less than Guideline LTV of 71.77% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 71.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.77% is less than Guideline LTV of 71.77% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CLTV of 71.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.77% is less than Guideline CLTV of 71.77% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.77% is less than Guideline CCLTV of 71.77%<br> A |
| 118174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.56% is less than Guideline LTV of 74.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.56% is less than Guideline CLTV of 74.56%<br> A |
| 118174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.56% is less than Guideline LTV of 74.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.56% is less than Guideline CLTV of 74.56%<br> A |
| 118177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing proof of business license, third party verification missing | Document Uploaded. Please see the attached proof of self-employment | 11/19/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.56% is less than Guideline CLTV of 74.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.56% is less than Guideline CCLTV of 74.56% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 63.81% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CLTV of 63.81% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 63.81% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CLTV of 63.81% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline CLTV of 63.81% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CCLTV of 63.81% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 65.96% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 65.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 65.96% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 65.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118428 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline CLTV of 65.96% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CCLTV of 65.96% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118428 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.44% is less than Guideline CLTV of 56.44% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.44% is less than Guideline CCLTV of 56.44% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118428 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.44% is less than Guideline CLTV of 56.44% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.44% is less than Guideline CCLTV of 56.44% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118436 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing The loan file is missing a copy of the initial 1003 application | Document Uploaded. Please see the initial 1003 e-signed by the borrower attached | 11/20/2025 | The Initial 1003 is Present | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118436 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The loan file is missing a copy of the Title document. | Document Uploaded. Please see the title commitment attached | 11/20/2025 | Title Document is fully Present | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118436 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118436 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409024800 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DJ_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Provide evidence the ICD dated XX/XX/XXXX was received a minimum of XXX business days prior to consummation XX/XX/XXXX. | ; Documentation received, XXX review.; Document Uploaded. ; ; | 12/01/2025 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409033018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409033018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409033018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409033024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.44% is less than Guideline LTV of 56.44% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.44% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval and questionnaire is Missing. Per documentation in file, borrower was charged for questionnaire. | Document Uploaded. Please see uploaded document. Our guidelines do not require a condo questionaire filled out on a Condo Classification Type V as it is a reduced condo project. | 11/24/2025 | Condo Approval is provided. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409033026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Acknowledged | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing to determine warrantability. It is not marked as a limited/waived review per the XXX | Unable to Resolve-seller accepts; no change to grading. | 11/24/2025 | Confirmed : Unable to Resolve-seller accepts; no change to grading. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline LTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline CLTV of 66.53%<br> B<br> A |
| 409033026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline CLTV of 66.53% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline CLTV of 66.53%<br> B<br> A |
| 409033026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline CLTV of 66.53% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline CLTV of 66.53%<br> B<br> A |
| 409033029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409033036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing Need final HO-6 policy for primary residence | Document Uploaded. Please see the attached confirmation that the XXX insurance policy covers betterments and improvements, refer to page XXX | 11/21/2025 | Confirmed that the XXX insurance policy covers betterments and improvements, refer to page XXX of Dec of Trust.; HO-6 Insurance Policy is fully present; The attached document Failed to Load. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline LTV of 66.53% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.53% is less than Guideline CLTV of 43.43% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 409033036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.43% is less than Guideline CLTV of 43.43% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 43.43% is less than Guideline CLTV of 43.43% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 409033036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.43% is less than Guideline CLTV of 43.43% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 43.43% is less than Guideline CLTV of 43.43% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 409033040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.43% is less than Guideline LTV of 43.43% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.43% is less than Guideline CLTV of 71.15% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline CLTV of 71.15% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline CLTV of 71.15% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline CLTV of 71.15% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline CLTV of 71.15% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. ((12 CFR ##_DJ_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. please see the cure redisclosure package attached | 12/03/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 118208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 118208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 118209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.15% is less than Guideline LTV of 71.15% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.15% is less than Guideline CLTV of 59.37%<br> A |
| 409033047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.37% is less than Guideline CLTV of 59.37% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.37% is less than Guideline CLTV of 59.37%<br> A |
| 409033047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.37% is less than Guideline CLTV of 59.37% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.37% is less than Guideline CLTV of 59.37%<br> A |
| 118212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The loan file is missing verification of the monthly HOA payment of $XXX. | Document Uploaded. Please see the attached updated 1003 and XXX removing the erroneous HOA dues. | 11/21/2025 | Lender provided revised 1003 and XXX removing XXX per month HOA. | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.37% is less than Guideline LTV of 59.37% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.37% is less than Guideline LTV of 72.46%<br> A |
| 118395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46%<br> A |
| 118395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46%<br> A |
| 118398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline LTV of 72.46% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The file is missing pages XX/XX/XXXX from the Empower 401k quarterly Statement dated XX/XX/XXXX-XX/XX/XXXX Balance XXX on page XXX to cover the required XXX month reserves for loan amounts less than or equal to XXX | These additional pages are not needed. All we need from these Statements are evidence of the beginning and ending balance and proof the borrower owns the account. Nothing essential to the underwriting of this loan, will be gained from the additional pages. | 11/21/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.46% is less than Guideline CLTV of 72.46% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.46% is less than Guideline CCLTV of 72.46%<br> D<br> A |
| 118399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 79% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79% is less than Guideline CCLTV of 79%<br> D<br> A |
| 118399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 79% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79% is less than Guideline CCLTV of 79%<br> D<br> A |
| 118402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. ((12 CFR ##_DJ_##(ii)). No evidence has been provided that the borrower received a copy of the appraisal at or prior to consummation date, XXX/XXX/XXX. | Unable to Resolve-Seller acknowledges exception, no change in grading ; Please review the e-signed appraisal delivery waiver on pg7 in the PDF package | 11/23/2025 | Acknowledged as 2/B grading per client request.; We have a copy of the appraisal waiver in the file; however we do not have proof that a copy of the appraisal was provided at consummation. Please provide proof it was provided at closing. | 11/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DJ_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the decrease from XXX to XXX for the Lender Credits. The Lender Credits decreased on the Revised CD dated XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. Please see attached PCCD curing the issue. | 12/03/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 118492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 118492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 118494 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. ((12 CFR ##_DJ_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure required: Cure of XXX required for charges that in total cannot increase more than XXX% The following fees were added that were payable to service provider: Recording Service Fee of XXX CPL of XXX Courier Fee of XXX Release fee of XXX Third Party Fee of XXX Wire fee of XXX and increase of Settlement fee from XXX to XXX Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. Please see uploaded document. Cure check with PCCD delivered to the borrower. | 12/09/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118494 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_DJ_##(ii))]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the LE dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation on XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure XXX days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the e-consent is required. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 11/24/2025 | Delivery date provided; Exception resolved; Delivery date provided; Exception resolved | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118494 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118494 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 79% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79% is less than Guideline CCLTV of 79%<br> A |
| 118503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 79% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79% is less than Guideline CCLTV of 79%<br> A |
| 118503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline CLTV of 79% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79% is less than Guideline CCLTV of 79%<br> A |
| 118505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. Please see the attached confirmation the self-employment verification was obtained within the required timeframe prior to closing. | 11/25/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79% is less than Guideline LTV of 79% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79% is less than Guideline CLTV of 65.36%<br> D<br> A |
| 118506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.36% is less than Guideline CLTV of 65.36% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.36% is less than Guideline CLTV of 65.36%<br> D<br> A |
| 118506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.36% is less than Guideline CLTV of 65.36% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.36% is less than Guideline CLTV of 65.36%<br> D<br> A |
| 118508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.36% is less than Guideline LTV of 65.36% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.36% is less than Guideline CLTV of 65.78% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline CLTV of 65.78% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline CLTV of 65.78% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline CLTV of 65.78% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline CLTV of 65.78% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 60.3% LTV is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The Lender credit decreased from XXX on the initial CD issued XX/XX/XXXX, to XXX on the Final CD issued XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. please see the cure redisclosure package attached; Please provide clarification or escalate for the exception to be cleared. The CD addendums showing the itemization of credits can be found on XXX-XXX in the PDF package. It confirms that credit remained constant at XXX on all CDs and did not change. This is a match to the credits on the final LE for XXX | 12/09/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The initial CD indicates a total of lender paid fees of XXX however it decreased to XXX on the final CD without a valid COC | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline LTV of 65.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.78% is less than Guideline CLTV of 78.82%<br> C<br> B<br> A |
| 118518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.82% is less than Guideline CLTV of 78.82% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.82% is less than Guideline CLTV of 78.82%<br> C<br> B<br> A |
| 118518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.82% is less than Guideline CLTV of 78.82% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.82% is less than Guideline CLTV of 78.82%<br> C<br> B<br> A |
| 118247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.82% is less than Guideline LTV of 78.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.82% is less than Guideline CLTV of 42.05%<br> A |
| 118247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05%<br> A |
| 118247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05%<br> A |
| 118454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | A |
| 118454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | A |
| 118454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | A |
| 118252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline CLTV of 42.05% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.05% is less than Guideline LTV of 42.05% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.05% is less than Guideline CLTV of 61.28%<br> A |
| 118254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.28% is less than Guideline CLTV of 61.28% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.28% is less than Guideline CLTV of 61.28%<br> A |
| 118254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.28% is less than Guideline CLTV of 61.28% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.28% is less than Guideline CLTV of 61.28%<br> A |
| 118257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.28% is less than Guideline LTV of 61.28% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.28% is less than Guideline CLTV of 79.38% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 79.38% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 79.38% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 79.38% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 79.38% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | A |
| 118273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | A |
| 118273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | A |
| 118532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline LTV of 79.38% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.38% is less than Guideline CLTV of 60.47% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.47% is less than Guideline CLTV of 60.47% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 60.47% is less than Guideline CLTV of 60.47% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.47% is less than Guideline CLTV of 60.47% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 60.47% is less than Guideline CLTV of 60.47% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Seller's Fraud Report contains XXX uncleared alerts: Undisclosed REO at XXX and XXX; combination of income and occupation increases likelihood of inflated income; disclosed income is significantly higher than the neighborhood incomes; and subject property value appears high compared to recent area sales. | ; Documentation received, XXX review.; Document Uploaded. Starting page XXX Fraud XXX Cleared | 12/16/2025 | All Fraud Report Alerts have been cleared or None Exist | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 118350 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 60.3% LTV is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund check and proof of delivery or COC. The file is missing the COC for the Appraisal Field Review Fee in the amount of XXX The Initial CD dated XX/XX/XXXX added the fee for the Appraisal Field Review Fee however the COC in file did not give a valid reason for the addition of the 2nd appraisal review fee. Provide clarification of the COC | ; Documentation received, XXX review.; Document Uploaded. A field review was required due to the file type. Please review COC reason. ; | 11/27/2025 | Valid COC provided; exception resolved | 11/27/2025 | C<br> A |
| 118404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 118210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/25/2025 | A |
| 118230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/25/2025 | A |
| 118230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/25/2025 | A |
| 118231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[60.3% LTV]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation on XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | Document Uploaded. please see initial CD e-signed XX/XX/XXXX attached | 11/26/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[60.3% LTV]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. The LE dated XX/XX/XXXX is missing borrower receipt date to confirm it was received at least XXX days prior to consummation | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/01/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.47% is less than Guideline LTV of 60.47% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.47% is less than Guideline CLTV of 74.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline CLTV of 74.12% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline CLTV of 74.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline CLTV of 74.12% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline CLTV of 74.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. There was no XXX ID sheet or Patriot Act Disclosure. | Document Uploaded. Please see attached confirmation of identification. | 12/04/2025 | Photo Identification provided. | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409033020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. There was no XXX ID sheet or Patriot Act Disclosure. | Please see attached confirmation of identification. | 12/04/2025 | Photo Identification provided. | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409033020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409033020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409033022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.12% is less than Guideline LTV of 74.12% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.12% is less than Guideline LTV of 74.03%<br> A |
| 409033030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 74.03% is less than Guideline LTV of 74.03% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.03% is less than Guideline LTV of 74.03%<br> A |
| 409033030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 74.03% is less than Guideline LTV of 74.03% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.03% is less than Guideline LTV of 74.03%<br> A |
| 409033031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.03% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.03% is less than Guideline CLTV of 85%<br> A |
| 409033031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.29% is less than Guideline LTV of 73.29% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 73.29%<br> A |
| 409033031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.29% is less than Guideline LTV of 73.29% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CLTV of 73.29%<br> A |
| 409033034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.29% is less than Guideline CLTV of 73.29% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.29% is less than Guideline CCLTV of 73.29%<br> A |
| 409033034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.32% is less than Guideline LTV of 64.32% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.32% is less than Guideline CLTV of 64.32%<br> A |
| 409033034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.32% is less than Guideline LTV of 64.32% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.32% is less than Guideline CLTV of 64.32%<br> A |
| 409033035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.32% is less than Guideline CLTV of 64.32% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.32% is less than Guideline CCLTV of 64.32% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.11% is less than Guideline CLTV of 52.11% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 52.11% is less than Guideline CCLTV of 52.11% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.11% is less than Guideline CLTV of 52.11% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 52.11% is less than Guideline CCLTV of 52.11% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.11% is less than Guideline CLTV of 52.11% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 52.11% is less than Guideline CCLTV of 52.11%<br> A |
| 409033044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.11% is less than Guideline CLTV of 52.11% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 52.11% is less than Guideline CCLTV of 52.11%<br> A |
| 409033044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.11% is less than Guideline CLTV of 52.11% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 52.11% is less than Guideline CCLTV of 52.11%<br> A |
| 118552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Coverage amount matches previous first lien mortgage | Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/02/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 118552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 118552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 409033046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 60.3% LTV is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Lender Credit for the Mortgage recording fee was removed on the CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. Please see the attached package mailed to the borrower. | 12/04/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409033046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409033046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409033050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.11% is less than Guideline LTV of 52.11% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.11% is less than Guideline CLTV of 61.66%<br> A |
| 409033050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.66% is less than Guideline CLTV of 61.66% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.66% is less than Guideline CLTV of 61.66%<br> A |
| 409033050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.66% is less than Guideline CLTV of 61.66% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.66% is less than Guideline CLTV of 61.66%<br> A |
| 409033051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Confirmed per title in file States its the proposed amount of insurance | Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/02/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.66% is less than Guideline LTV of 61.66% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.66% is less than Guideline LTV of 61.49%<br> B<br> A |
| 409033051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 61.49% is less than Guideline LTV of 61.49% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.49% is less than Guideline LTV of 61.49%<br> B<br> A |
| 409033051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 61.49% is less than Guideline LTV of 61.49% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.49% is less than Guideline LTV of 61.49%<br> B<br> A |
| 409033052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in Condo Bylaws. COC provided does not give specific reason for increase. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or COC with further detail. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 60.3% LTV is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the full status history. Prior to XX/XX/XXXX the loan was considered a type V review, until LTV increased above XXX% which caused it to be considered Type B, the notes below confirm the LTV increased as a result of the Loan Amount increase, which changed the condo classification. | 12/02/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409033052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Acknowledged | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines. Lender granted an exception to allow the condo unit to proceed as commercial zoning overlay and no mixed use. Compensating factors: Value supported, XXX FICO, 60.3% LTV |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409033052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409033054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/02/2025 | Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409033054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409033054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409033056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.49% is less than Guideline CLTV of 61.49% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.49% is less than Guideline CCLTV of 61.49% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.96% is less than Guideline CLTV of 73.96% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 73.96% is less than Guideline CCLTV of 73.96% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.96% is less than Guideline CLTV of 73.96% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 73.96% is less than Guideline CCLTV of 73.96% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.96% is less than Guideline LTV of 73.96% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.96% is less than Guideline LTV of 77.09%<br> A |
| 409033057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.09% is less than Guideline LTV of 77.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.09% is less than Guideline LTV of 77.09%<br> A |
| 409033057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.09% is less than Guideline LTV of 77.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.09% is less than Guideline LTV of 77.09%<br> A |
| 409033060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title coverage insufficient, provide commitment with coverage of lien amount XXX | Unable to Resolve-seller accepts; no change to grading. | 12/02/2025 | Confirmed : Unable to Resolve-seller accepts; no change to grading. | 12/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.09% is less than Guideline CLTV of 77.09% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.09% is less than Guideline CCLTV of 77.09%<br> B<br> A |
| 409033060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 62.16% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.16% is less than Guideline CCLTV of 62.16%<br> B<br> A |
| 409033060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 62.16% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.16% is less than Guideline CCLTV of 62.16%<br> B<br> A |
| 409033061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Per Final 1003 XXX is a retained investment property- Audit unable to locate documentation for property. | Document Uploaded. Please see attached CD for this property that recently closed. | 12/02/2025 | Final CD for REO XXX provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409033061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409033061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 118386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.16% is less than Guideline LTV of 89% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.43% is less than Guideline CLTV of 78.43% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.43% is less than Guideline CLTV of 78.43% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.43% is less than Guideline CLTV of 78.43% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.43% is less than Guideline CLTV of 78.43% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118392 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118392 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118392 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. ((12 CFR §1026.19(f)(2)(ii)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX | Unable to Resolve-seller accepts; no change to grading. | 12/02/2025 | Confirmed : Unable to Resolve-seller accepts; no change to grading. | 12/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.43% is less than Guideline LTV of 78.43% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.43% is less than Guideline CLTV of 73.71% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title endorsement required to show new updated final loan amount of $XXX. | Unable to Resolve-seller accepts; no change to grading. | 12/02/2025 | Confirmed : Unable to Resolve-seller accepts; no change to grading. | 12/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline CLTV of 73.71% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline CLTV of 73.71% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Rescinded | finding-3542 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).[[(12 CFR §1026.19(f)(2)(ii))]] The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. There's no evidence of receipt for CD issued XX/XX/XXXX in the loan prior to CD issued XX/XX/XXXX. | The XX/XX/XXXX CD does not require evidence of delivery/receipt as the CD does not require a waiting period. The APR did decrease greater than XXX% however the finance charge also decreased, which has been considered by external DD firms as acceptable to not require acknowledgment of this CD, and that CD can be considered a non-material change CD which requires no waiting period or proof of receipt. | 12/02/2025 | Waiting period not required; Exception resolved; Waiting period not required; Exception resolved | 12/02/2025 | B<br> A |
| 118396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline CLTV of 73.71% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline CLTV of 73.71% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | A |
| 118397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | A |
| 118397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | A |
| 118403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline LTV of 73.71% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.71% is less than Guideline CLTV of 79.62% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 79.62% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 79.62% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 79.62% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 79.62% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | Large Deposit XXX into XXX on XX/XX/XXXX | Document Uploaded. Please see attached, settlement Statement confirming the deposit amount. | 12/02/2025 | ; Final Settlement Statement provided for XXX as evidence of large deposit. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 118493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE2371 | Credit | Missing final HUD-1 from sale of non-subject property | Missing evidence property at XXX has been sold and mortgages XXX with property XXX and XXX XXX have been satisfied | Document Uploaded. Please see attached, confirmation of sale as requested | 12/02/2025 | Final Settlement Statement provided for XXX. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 118493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 118493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 118496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. Please also see confirmation that the package was dropped off to be delivered.; Document Uploaded. Please see the attached package mailed to borrower curing the issue.; Please be advised the loan estimate on XX/XX/XXXX showed a rate of XXX% the rate was changed on the initial XX/XX/XXXX Closing Disclosure to XXX% which affected the amount of lender credits. The lender credit on the XX/XX/XXXX was XXX after the rate change. Please confirm you agree with a cure of XXX for the decrease to the final CD of XXX | 12/11/2025 | Client provided copy of PCCD, LOE, Copy of refund check and proof of delivery for testing. Exception cured; Client provided copy of PCCD, LOE, Copy of refund check and proof of delivery for testing. Exception cured; Client provided PCCD, LOE, Copy of refund check and proof of delivery for testing. Exception cured. ; This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LB## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Updated cure amount to XXX after Valid COC applied | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 118496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero-tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the Final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. Please see the second cure package mailed to the borrower for the additional XXX along with proof of drop off for delivery.; Document Uploaded. Please see the second cure package mailed to the borrower for the additional $XXX.; Please be advised the appraisal fee was added to the closing disclosure as borrower paid prior to closing with a lender credit applied for the tolerance violation. The lender credit was removed in error and therefore cured with the PCCD and refund check to the borrower.; Document Uploaded. Please see the attached package mailed to borrower curing the lender credit removal from the appraisal fee. | 12/12/2025 | Client provided copy of PCCD, LOE, Copy of refund check and proof of delivery for testing. Exception cured; The cure package provided was sufficient to cure the lender credit finding of XXX that was due to the credit for the appraisal fee decreasing on Final CD. The appraisal fee disclosed to the consumer also increased by XXX therefore a zero tolerance violation finding remains and an additional cure of XXX is required. Please provide PCCD, LOE, Copy of refund check and proof of delivery to the borrower. | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 118496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 118496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 118498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA fee amount for XXX and XXX | Please refer to pages XXX-XXX for non-subject HOA dues confirmed from XXX, property address is listed in the link. | 12/03/2025 | HOA docs found in loan file. | 12/04/2025 | A |
| 118498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of property taxes for primary residence ($XXX). | Document Uploaded. Property Hub confirming taxes for XXX was on XXX but is cutoff. We have attached the full document for your review; Document Uploaded. Please see the subject property tax cert attached | 12/05/2025 | Property Details property report for primary residence provided. ; Still missing tax document for the primary residence at XXX. Please provide. | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The decrease in the lender credit was on the final CD dated XX/XX/XXXX. | Document Uploaded. Exception should State LDP not LPC. However, attached is the CIC for the increase to the LDP. The loan amount increased which increased the dollar amount of the LDP. Please review to clear this condition. | 12/02/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 118509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 118509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 118510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 79.62% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.62% is less than Guideline CCLTV of 79.62% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 79.62% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.62% is less than Guideline CCLTV of 79.62% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline CLTV of 79.62% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.62% is less than Guideline CCLTV of 79.62% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX% DTI exceeds XXX% max allowed DTI by guideline due to Lender not including "Wind Insurance" in the amount of XXX monthly in the Lender loan approval of XXX% DTI. | Please review the final CD executed at closing where page XXX confirms the Wind Insurance was included in escrow as part of the XXX PITIA payment that was factored into qualifying ratios. Thank you | 12/04/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.62% is less than Guideline LTV of 79.62% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.62% is less than Guideline CLTV of 77.87% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.87% is less than Guideline CLTV of 77.87% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77.87% is less than Guideline CLTV of 77.87% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.87% is less than Guideline CLTV of 77.87% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77.87% is less than Guideline CLTV of 77.87% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##LA##. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/04/2025 | Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.87% is less than Guideline LTV of 77.87% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.87% is less than Guideline LTV of 71.28% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 118514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 71.28% is less than Guideline LTV of 71.28% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.28% is less than Guideline LTV of 71.28% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 118514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 71.28% is less than Guideline LTV of 71.28% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.28% is less than Guideline LTV of 71.28% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 118515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | A |
| 118515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | A |
| 118515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | A |
| 118517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.28% is less than Guideline CLTV of 71.28% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.28% is less than Guideline CCLTV of 71.28%<br> A |
| 118517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.17% is less than Guideline LTV of 55.17% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.17% is less than Guideline CLTV of 55.17%<br> A |
| 118517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.17% is less than Guideline LTV of 55.17% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.17% is less than Guideline CLTV of 55.17%<br> A |
| 118523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.17% is less than Guideline CLTV of 55.17% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.17% is less than Guideline CCLTV of 55.17% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 69.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 69.77% is less than Guideline CCLTV of 69.77% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 69.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 69.77% is less than Guideline CCLTV of 69.77% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##LA##. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Unable to Resolve-seller accepts; no change to grading. | 12/03/2025 | Confirmed : Unable to Resolve-seller accepts; no change to grading. | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline LTV of 69.77% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.77% is less than Guideline LTV of 63.04% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline LTV of 63.04% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline LTV of 63.04% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline LTV of 63.04% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline LTV of 63.04% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118528 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline CLTV of 63.04% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.04% is less than Guideline CCLTV of 63.04% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118528 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.59% is less than Guideline CCLTV of 72.59% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118528 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.59% is less than Guideline CCLTV of 72.59% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59%<br> A |
| 118529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59%<br> A |
| 118529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline CLTV of 72.59%<br> A |
| 118244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.59% is less than Guideline LTV of 72.59% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.59% is less than Guideline CLTV of 58.29% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.29% is less than Guideline CLTV of 58.29% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 58.29% is less than Guideline CLTV of 58.29% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.29% is less than Guideline CLTV of 58.29% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 58.29% is less than Guideline CLTV of 58.29% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##LA##. Provide evidence that the appraisal was provided to the consumer at or prior to the loan consummation. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/03/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.29% is less than Guideline LTV of 58.29% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.29% is less than Guideline CLTV of 78.38% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.38% is less than Guideline CLTV of 78.38% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.38% is less than Guideline CLTV of 78.38% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.38% is less than Guideline CLTV of 78.38% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.38% is less than Guideline CLTV of 78.38% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118246 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Please provide clarification on how you are calculating the reserves and why you believe we are short. The borrower received cash at close and we documented XXX in total assets meaning we have more than a sufficient balance to cover any reserve requirement. | 12/03/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.38% is less than Guideline LTV of 78.38% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.38% is less than Guideline CLTV of 75.28%<br> C<br> A |
| 118246 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.28% is less than Guideline CLTV of 75.28% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 75.28% is less than Guideline CLTV of 75.28%<br> C<br> A |
| 118246 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.28% is less than Guideline CLTV of 75.28% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 75.28% is less than Guideline CLTV of 75.28%<br> C<br> A |
| 118251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##LA##. Documentation required to clear exception: Evidence that a copy of the appraisal was provided to the consumer at prior to consummation date, XXX/XXX/XXX. | Document Uploaded. Please see attached confirming appraisal delivery | 12/03/2025 | Evidence of appraisal delivery provided. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 118256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | A |
| 118256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | A |
| 118256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | A |
| 118260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.28% is less than Guideline LTV of 75.28% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75.28% is less than Guideline CLTV of 62.5% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 62.5% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 62.5% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 62.5% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 62.5% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline LTV of 62.5% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline CLTV of 64.81% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 64.81% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 64.81% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 64.81% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 64.81% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline LTV of 64.81% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.81% is less than Guideline CLTV of 62.11% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.11% is less than Guideline CLTV of 62.11% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.11% is less than Guideline CLTV of 62.11% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.11% is less than Guideline CLTV of 62.11% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.11% is less than Guideline CLTV of 62.11% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing DOT is missing from loan file. Only able to obtain borrower's names, address and property county from note, DOT rider and title work. | Document Uploaded. Please see the attached DOT.; Document Uploaded. Please see the attached deed of trust and final title policy.; Please see the attached deed of trust and final title policy. | 12/08/2025 | The Deed of Trust is Present; The Deed of trust provided is dated XX/XX/XXXX. Please provide a copy of the Deed of Trust from this loan dated XX/XX/XXXX.; No documents attached. Please upload Deed of Trust and Final title policy as Stated below. | 12/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.11% is less than Guideline LTV of 62.11% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.11% is less than Guideline CLTV of 59.75% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline CLTV of 59.75% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline CLTV of 59.75% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline CLTV of 59.75% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline CLTV of 59.75% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline CLTV of 59.75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline CLTV of 59.75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline CLTV of 59.75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.75% is less than Guideline LTV of 59.75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.75% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Title is missing pages, specifically Schedule A. | Document Uploaded. Please see attached title commitment | 12/03/2025 | Title Document is fully Present. | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 118540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The loan file is missing the XXX asset Statements noted on the AUS. Documentation to support this account is required. | Document Uploaded. Please see the attached XXX asset Statement. | 12/03/2025 | Funds are found to meet guidelines. | 12/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 118540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 118540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409033023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. | Document Uploaded. Please see the AUS findings attached; Document Uploaded. Please see a corrected 1003, XXX and updated AUS findings attached ; The AUS findings can be found on XXX-XXX in the PDF package and the XXX is on XXX and XXX Please clear this exception or provide clarification on what is specifically missing and needed to remedy the exception. Thank you | 12/10/2025 | Approval/Underwriting Summary is fully present; Please see the attached documents attached (XXX copies of the XXX) and the XXX The revised AUS is Missing. Please provide.; Approval/Underwriting Summary Partially Provided.; Approval/Underwriting Summary is fully present; Per AUS, Audit's DTI matches as XXX. The XXX shows a XXX higher income and an increase in the credit liabilities which is including the accounts that will be paid off at closing. No changes made to the DTI - XXX%. Please provide an updated XXX to match AUS's DTI of XXX%. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A<br> B |
| 409033038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Document Uploaded. Please see the AUS findings attached | 12/10/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Please provide the revised AUS with DTI of XXX%. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409033038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409033038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409033039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409033039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409033039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409033043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline CLTV of 63.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.99% is less than Guideline LTV of 63.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.99% is less than Guideline LTV of 67.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 67.74% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 67.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 67.74% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 67.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline CLTV of 67.74% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CCLTV of 67.74%<br> A |
| 409033055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54% is less than Guideline CLTV of 54% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54% is less than Guideline CCLTV of 54%<br> A |
| 409033055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54% is less than Guideline CLTV of 54% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54% is less than Guideline CCLTV of 54%<br> A |
| 409033059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54% is less than Guideline LTV of 54% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54% is less than Guideline CLTV of 78.37% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.37% is less than Guideline CLTV of 78.37% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.37% is less than Guideline CLTV of 78.37% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.37% is less than Guideline CLTV of 78.37% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.37% is less than Guideline CLTV of 78.37% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit violation in the total amount of XXX is due to a decrease in itemized lender credits from XXX on the initial CD to XXX on the final CD. A COC or evidence of pricing change was missing from the file. This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please see page XXX of the CD which shows a XXX curtailment for the amount of decreased lender credits that couldn't be applied to any other fees. | 12/09/2025 | Lender confirmed XXX reduction was a cure for lender credits; Lender confirmed XXX reduction was a cure for lender credits | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 118400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.37% is less than Guideline LTV of 78.37% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.37% is less than Guideline LTV of 69.79%<br> A |
| 118400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.79% is less than Guideline LTV of 69.79% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.79% is less than Guideline LTV of 69.79%<br> A |
| 118400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.79% is less than Guideline LTV of 69.79% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.79% is less than Guideline LTV of 69.79%<br> A |
| 118401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | A |
| 118401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | A |
| 118401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | A |
| 118490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.79% is less than Guideline CLTV of 69.79% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.79% is less than Guideline CCLTV of 69.79%<br> A |
| 118490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.08% is less than Guideline CLTV of 47.08% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.08% is less than Guideline CCLTV of 47.08%<br> A |
| 118490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.08% is less than Guideline CLTV of 47.08% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.08% is less than Guideline CCLTV of 47.08%<br> A |
| 118491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE2371 | Credit | Missing final HUD-1 from sale of non-subject property | Missing evidence REO sold at XXX per Final 1003 | Document Uploaded. Please see the final settlement Statement attached | 12/08/2025 | Certified Settlement Statement for REO at XXX provided. | 12/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.08% is less than Guideline LTV of 47.08% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.08% is less than Guideline LTV of 76.31% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 76.31% is less than Guideline LTV of 76.31% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.31% is less than Guideline LTV of 76.31% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 76.31% is less than Guideline LTV of 76.31% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.31% is less than Guideline LTV of 76.31% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 118501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.31% is less than Guideline CLTV of 76.31% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.31% is less than Guideline CCLTV of 76.31% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 67.16% is less than Guideline CLTV of 67.16% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 67.16% is less than Guideline CCLTV of 67.16% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 67.16% is less than Guideline CLTV of 67.16% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 67.16% is less than Guideline CCLTV of 67.16% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##LA##. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided at or prior to the consummation date. A XXX-day waiver was provided but delivery evidence is missing. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/08/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 118519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE2371 | Credit | Missing final HUD-1 from sale of non-subject property | Provide the Final CD for the sale of XXX showing XXX and XXX are both paid in full and closed. XXX sold XX/XX/XXXX (closing on the subject was XX/XX/XXXX) for XXX - 1st mtg balance XXX and helco XXX = XXX - closing coast and other XXX cost as FINAL CD for this sale was not provided. | Document Uploaded. Please see the attached final settlement Statement. | 12/08/2025 | Certified Settlement Statement for REO at XXX showing XXX and XXX Home Equity Line are both paid in full provided. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 118519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 118520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOI policy for property located at XXX showing amount due on said policy Missing Tax bill for property located at XXX for B2  | Please review XXX-XXX for the policy on XXX, XXX confirms a liability of XXX or XXX per monthn. XXX and XXX contain the property hub report for XXX and XXX confirms taxes of XXX or XXX per monthn | 12/08/2025 | HOI policy for XXX and taxes for XXX verified. Non-subject taxes and insurance verified | 12/09/2025 | A |
| 118521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.16% is less than Guideline LTV of 67.16% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.16% is less than Guideline CLTV of 72.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline CLTV of 72.76% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline CLTV of 72.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline CLTV of 72.76% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline CLTV of 72.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline LTV of 72.76% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.76% is less than Guideline CLTV of 70.89% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.89% is less than Guideline CLTV of 70.89% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 70.89% is less than Guideline CLTV of 70.89% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.89% is less than Guideline CLTV of 70.89% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 70.89% is less than Guideline CLTV of 70.89% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##LA##. Documentation Required: Provide evidence the borrower received a copy of the appraisal at or prior to consummation. A XXX day waiver was provided but evidence of delivery was not. | Unable to Resolve-Document Uploaded. Seller acknowledges the exception, no change to grading. | 12/08/2025 | Confirmed : Unable to Resolve-Document Uploaded. Seller acknowledges the exception, no change to grading. | 12/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.89% is less than Guideline LTV of 70.89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.89% is less than Guideline CLTV of 44.86%<br> B<br> A |
| 118527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX. | Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/08/2025 | Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.86% is less than Guideline CLTV of 44.86% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.86% is less than Guideline CLTV of 44.86%<br> B<br> A |
| 118527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.86% is less than Guideline CLTV of 44.86% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.86% is less than Guideline CLTV of 44.86%<br> B<br> A |
| 118249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.86% is less than Guideline LTV of 44.86% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.86% is less than Guideline CLTV of 71.01%<br> A |
| 118249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.01% is less than Guideline CLTV of 71.01% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.01% is less than Guideline CLTV of 71.01%<br> A |
| 118249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.01% is less than Guideline CLTV of 71.01% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.01% is less than Guideline CLTV of 71.01%<br> A |
| 118250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.01% is less than Guideline LTV of 71.01% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.01% is less than Guideline CLTV of 73.01%<br> A |
| 118250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 73.01% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 73.01%<br> A |
| 118250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 73.01% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 73.01%<br> A |
| 118253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 73.01% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 73.01% is less than Guideline CCLTV of 73.01%<br> A |
| 118253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 73.01% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 73.01% is less than Guideline CCLTV of 73.01%<br> A |
| 118253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 73.01% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 73.01% is less than Guideline CCLTV of 73.01%<br> A |
| 118255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI discrepancy due to Documented calculation of the monthly Rental income $XXX. Lease agreement provided on the XXX property shows a monthly payment from tenant would XXX per month (at XXX% vacancy calculates to $XXX). Need supporting documentation for an income of XXX | Document Uploaded. XXX preformed a manual rental income calc for the XXX property. We did this as less than a full year of income was reported on the previous years XXX The property changed from a primary to investment and was only rented for XXX days. Current lease agreement was provided to show the client started renting the property during the previous tax year. Our full manual income calc is attached | 12/08/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; When using the fair rental days of XXX the monthly rental income of XXX a month is verified. DTI matches AUS XXX% | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline LTV of 73.01% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.01% is less than Guideline CLTV of 51.73%<br> C<br> A |
| 118255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | XXX preformed a manual rental income calc for the XXX property. We did this as less than a full year of income was reported on the previous years XXX The property changed from a primary to investment and was only rented for XXX days. Current lease agreement was provided to show the client started renting the property during the previous tax year. Our full manual income calc is attached | 12/08/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; When using the fair rental days of XXX the monthly rental income of XXX a month is verified. DTI matches AUS XXX% | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 51.73% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 51.73%<br> C<br> A |
| 118255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 51.73% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 51.73%<br> C<br> A |
| 118255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 51.73% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline CLTV of 51.73%<br> C<br> A |
| 118258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Unable to find prior credentials for appraiser using the State website. Lender to provide additional documentation to support appraiser was active at the time of the appraisal. | Document Uploaded. Please see attached confirming the appraiser was licensed and active. | 12/08/2025 | Data Entry error (expiration date was dated incorrectly XXX instead of XXX ; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided. Confirmed. Data Entry error - will be rescinded. | 12/09/2025 | A |
| 118258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The Title Commitment in the file is less than the loan amount. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/08/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee. | Document Uploaded. Please see uploaded document. Cure sent to borrower with PCCD and LOE. | 12/11/2025 | Received PCCD, LOE, Copy of refund check and proof of delivery for testing. Exception cured.; Received PCCD, LOE, Copy of refund check and proof of delivery for testing. Exception cured. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 118267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##LA##. Document Required : Missing Proof of Appraisal Delivery at or prior to consummation. A XXX day waiver was provided, however, missing evidence of delivery. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/08/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 12/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 118267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 118267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 118268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.73% is less than Guideline LTV of 51.73% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.73% is less than Guideline CLTV of 55.68% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.68% is less than Guideline CLTV of 55.68% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 55.68% is less than Guideline CLTV of 55.68% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.68% is less than Guideline CLTV of 55.68% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 55.68% is less than Guideline CLTV of 55.68% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118276 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118276 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118276 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.68% is less than Guideline LTV of 55.68% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.68% is less than Guideline CLTV of 50.62% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.62% is less than Guideline CLTV of 50.62% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 50.62% is less than Guideline CLTV of 50.62% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.62% is less than Guideline CLTV of 50.62% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 50.62% is less than Guideline CLTV of 50.62% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.62% is less than Guideline LTV of 50.62% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.62% is less than Guideline CLTV of 69.23% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline CLTV of 69.23% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline CLTV of 69.23% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline CLTV of 69.23% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline CLTV of 69.23% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409033158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.23% is less than Guideline LTV of 69.23% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.23% is less than Guideline CLTV of 71.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.74% is less than Guideline CLTV of 71.74% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.74% is less than Guideline CLTV of 71.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409033158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.74% is less than Guideline CLTV of 71.74% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.74% is less than Guideline CLTV of 71.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.74% is less than Guideline LTV of 71.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.74% is less than Guideline CLTV of 71.52% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.52% is less than Guideline CLTV of 71.52% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.52% is less than Guideline CLTV of 71.52% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.52% is less than Guideline CLTV of 71.52% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.52% is less than Guideline CLTV of 71.52% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.52% is less than Guideline LTV of 71.52% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.52% is less than Guideline LTV of 75.89%<br> A |
| 118536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 75.89% is less than Guideline LTV of 75.89% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75.89% is less than Guideline LTV of 75.89%<br> A |
| 118536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 75.89% is less than Guideline LTV of 75.89% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75.89% is less than Guideline LTV of 75.89%<br> A |
| 118551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/08/2025 | Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading. | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.89% is less than Guideline CLTV of 75.89% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.89% is less than Guideline CCLTV of 75.89% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 57.7% is less than Guideline CLTV of 57.7% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 57.7% is less than Guideline CCLTV of 57.7% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 57.7% is less than Guideline CLTV of 57.7% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 57.7% is less than Guideline CCLTV of 57.7% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 118537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.7% is less than Guideline LTV of 57.7% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.7% is less than Guideline CLTV of 62.06%<br> A |
| 118537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06%<br> A |
| 118537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06%<br> A |
| 118538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06%<br> A |
| 118539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06%<br> A |
| 118539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06%<br> A |
| 118541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##LA##]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE dated XX/XX/XXXX at least XXX days prior to closing. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/08/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 12/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The loan failed Charges That Cannot Increase. Because the loan failed the Revised LE, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baselines: Points. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/08/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 12/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline CLTV of 62.06% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118543 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.06% is less than Guideline LTV of 62.06% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.06% is less than Guideline CLTV of 66.58% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118543 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.58% is less than Guideline CLTV of 66.58% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.58% is less than Guideline CLTV of 66.58% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.58% is less than Guideline LTV of 66.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.58% is less than Guideline LTV of 59.78% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 118545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78%<br> A |
| 118545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78%<br> A |
| 118545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline LTV of 59.78%<br> A |
| 118546 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is a result of an additional Appraisal fee added on the revised CD XX/XX/XXXX, COC in file dated XX/XX/XXXX does not detail the addition of the Appraisal Fee for $XXX. Please provide a valid COC or cure package. | Document Uploaded. Please see the attached confirmation of CIC, due to a rush fee for the CDA in order to meet scheduled closing date. | 12/08/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118546 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118546 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 118547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##LA##]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/08/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 12/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.78% is less than Guideline CLTV of 59.78% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.78% is less than Guideline CCLTV of 59.78% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##LA## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the LE dated XX/XX/XXXX to XXX on the LE dated XX/XX/XXXX for the Appraisal Fee. | Document Uploaded. Please see the screenshot below from Clear Path showing a rush was requested on XX/XX/XXXX to have the appraisal received by XX/XX/XXXX. The order was cancelled, and we were then quoted XXX which the increased fee was approved on XX/XX/XXXX. This is a valid CIC that was approved and redisclosed to the borrower on XX/XX/XXXX, meaning it was within XXX days of the change meeting TRID regulation. Please escalate for this to be cleared. | 12/08/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 12/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 69.82% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 69.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 69.82% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 69.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 69.82% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 69.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 69.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 69.82%<br> A |
| 118548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 69.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 69.82%<br> A |
| 118548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 69.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 69.82%<br> A |
| 409033021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409033049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | Please see page XXX of the loan file. The insurance is writtent to Replacement Cost as confirmed by the Coverage A - Dwelling information. The policy allows for an addtional XXX% of total coverage to account for the replacement cost. We do not require the insurer to provide us the RCE estimate if the policy is writtent to cost. | 12/08/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount. Confirmed; coverage is sufficient. | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409033049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409033049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 118393 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline CLTV of 69.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CCLTV of 69.82%<br> A |
| 118393 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 76.17% is less than Guideline CLTV of 76.17% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 76.17% is less than Guideline CCLTV of 76.17%<br> A |
| 118393 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 76.17% is less than Guideline CLTV of 76.17% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 76.17% is less than Guideline CCLTV of 76.17%<br> A |
| 118497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.17% is less than Guideline LTV of 76.17% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.17% is less than Guideline LTV of 62.42% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 62.42% is less than Guideline LTV of 62.42% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.42% is less than Guideline LTV of 62.42% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 62.42% is less than Guideline LTV of 62.42% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.42% is less than Guideline LTV of 62.42% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.42% is less than Guideline CLTV of 62.42% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.42% is less than Guideline CCLTV of 62.42% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 76.12% is less than Guideline CLTV of 76.12% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 76.12% is less than Guideline CCLTV of 76.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 76.12% is less than Guideline CLTV of 76.12% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 76.12% is less than Guideline CCLTV of 76.12% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 118263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.12% is less than Guideline LTV of 76.12% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.12% is less than Guideline LTV of 65.08% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 65.08% is less than Guideline LTV of 65.08% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.08% is less than Guideline LTV of 65.08% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 65.08% is less than Guideline LTV of 65.08% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.08% is less than Guideline LTV of 65.08% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 118553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.08% is less than Guideline CLTV of 65.08% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.08% is less than Guideline CCLTV of 65.08% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated ##SV## is less than Guideline ##SV## \| Original CLTV is Below the Guideline Maximum - Calculated C##SV## is less than Guideline C##SV## \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 118553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated ##SV## is less than Guideline ##SV## \| Original CLTV is Below the Guideline Maximum - Calculated C##SV## is less than Guideline C##SV## \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |

---

## Exhibit 99.12

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 118296 | XXXXX |  | $XXXXXX<br> A |
| 118317 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409019547 | XXXXX |  | $XXXXXX<br> A<br> C<br> B |
| 118197 |  |  | $XXXXXX<br> D<br> A |
| 409033017 |  |  | $XXXXXX<br> A |
| 118169 |  |  | $XXXXXX<br> A |
| 118171 |  |  | $XXXXXX<br> A |
| 118199 |  |  | $XXXXXX<br> A |
| 118175 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409033027 |  |  | $XXXXXX<br> A |
| 118201 |  |  | $XXXXXX<br> C<br> A |
| 118202 |  |  | $XXXXXX<br> A |
| 118203 |  |  | $XXXXXX<br> A |
| 118204 |  |  | $XXXXXX<br> D<br> A |
| 118206 |  |  | $XXXXXX<br> A |
| 118180 |  |  | $XXXXXX<br> A |
| 118181 |  |  | $XXXXXX<br> A |
| 118182 |  |  | $XXXXXX<br> A |
| 118207 |  |  | $XXXXXX<br> A<br> B |
| 118183 |  |  | $XXXXXX<br> A |
| 118184 |  |  | $XXXXXX<br> A<br> C |
| 118189 |  |  | $XXXXXX<br> A |
| 118190 |  |  | $XXXXXX<br> D<br> A |
| 118192 |  |  | $XXXXXX<br> A |
| 118439 |  |  | $XXXXXX<br> A |
| 118194 |  |  | $XXXXXX<br> A |
| 118211 |  |  | $XXXXXX<br> A |
| 118422 |  |  | $XXXXXX<br> A |
| 118213 |  |  | $XXXXXX<br> B<br> A |
| 118423 |  |  | $XXXXXX<br> A<br> C |
| 118425 |  |  | $XXXXXX<br> C<br> A |
| 118387 |  |  | $XXXXXX<br> A |
| 118214 |  |  | $XXXXXX<br> A |
| 118433 |  |  | $XXXXXX<br> A |
| 118216 |  |  | $XXXXXX<br> A |
| 118217 |  |  | $XXXXXX<br> A |
| 118435 |  |  | $XXXXXX<br> D<br> A |
| 118219 |  |  | $XXXXXX<br> A |
| 118221 |  |  | $XXXXXX<br> A |
| 118227 |  |  | $XXXXXX<br> C<br> B<br> A |
| 118229 |  |  | $XXXXXX<br> A<br> C |
| 118502 |  |  | $XXXXXX<br> A |
| 118312 | XXXXX |  | $XXXXXX<br> D<br> A |
| 118332 | XXXXX |  | $XXXXXX<br> A<br> B |
| 118315 | XXXXX |  | $XXXXXX<br> A<br> C<br> B |
| 118301 | XXXXX |  | $XXXXXX<br> D<br> A |
| 118319 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 409013861 | XXXXX |  | $XXXXXX<br> D<br> A |
| 118198 |  |  | $XXXXXX<br> A |
| 118176 |  |  | $XXXXXX<br> A |
| 118178 |  |  | $XXXXXX<br> A |
| 118179 |  |  | $XXXXXX<br> A |
| 118185 |  |  | $XXXXXX<br> A |
| 118186 |  |  | $XXXXXX<br> C<br> A<br> B |
| 118187 |  |  | $XXXXXX<br> A |
| 118188 |  |  | $XXXXXX<br> A<br> C |
| 118191 |  |  | $XXXXXX<br> A<br> D |
| 118193 |  |  | $XXXXXX<br> A |
| 118421 |  |  | $XXXXXX<br> A |
| 118440 |  |  | $XXXXXX<br> A |
| 118424 |  |  | $XXXXXX<br> A |
| 118426 |  |  | $XXXXXX<br> A |
| 118429 |  |  | $XXXXXX<br> A |
| 118430 |  |  | $XXXXXX<br> A |
| 118431 |  |  | $XXXXXX<br> A |
| 409033058 |  |  | $XXXXXX<br> A<br> B |
| 118432 |  |  | $XXXXXX<br> A |
| 118434 |  |  | $XXXXXX<br> A<br> C |
| 118218 |  |  | $XXXXXX<br> A |
| 118220 |  |  | $XXXXXX<br> A |
| 118223 |  |  | $XXXXXX<br> D<br> A |
| 118224 |  |  | $XXXXXX<br> A |
| 118226 |  |  | $XXXXXX<br> A |
| 118437 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118495 |  |  | $XXXXXX<br> A |
| 118511 |  |  | $XXXXXX<br> A |
| 118516 |  |  | $XXXXXX<br> D<br> A |
| 118438 |  |  | $XXXXXX<br> A |
| 118451 |  |  | $XXXXXX<br> A |
| 118168 |  |  | $XXXXXX<br> A |
| 118170 |  |  | $XXXXXX<br> A |
| 118172 |  |  | $XXXXXX<br> A |
| 118173 |  |  | $XXXXXX<br> A |
| 118174 |  |  | $XXXXXX<br> A |
| 118177 |  |  | $XXXXXX<br> D<br> A |
| 118427 |  |  | $XXXXXX<br> A |
| 118428 |  |  | $XXXXXX<br> A |
| 118436 |  |  | $XXXXXX<br> D<br> A |
| 409024800 | XXXXX |  | $XXXXXX<br> A<br> C |
| 409033018 |  |  | $XXXXXX<br> A |
| 409033024 |  |  | $XXXXXX<br> A |
| 118200 |  |  | $XXXXXX<br> A<br> B |
| 409033026 |  |  | $XXXXXX<br> A<br> B |
| 409033029 |  |  | $XXXXXX<br> A |
| 409033032 |  |  | $XXXXXX<br> A |
| 118205 |  |  | $XXXXXX<br> A |
| 409033036 |  |  | $XXXXXX<br> D<br> A |
| 409033040 |  |  | $XXXXXX<br> A |
| 409033041 |  |  | $XXXXXX<br> A |
| 118208 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118209 |  |  | $XXXXXX<br> A |
| 409033047 |  |  | $XXXXXX<br> A |
| 118212 |  |  | $XXXXXX<br> A |
| 409033053 |  |  | $XXXXXX<br> A |
| 118389 |  |  | $XXXXXX<br> D<br> A |
| 118391 |  |  | $XXXXXX<br> A |
| 118215 |  |  | $XXXXXX<br> A |
| 118395 |  |  | $XXXXXX<br> A |
| 118398 |  |  | $XXXXXX<br> A |
| 118222 |  |  | $XXXXXX<br> A |
| 118399 |  |  | $XXXXXX<br> D<br> A |
| 118402 |  |  | $XXXXXX<br> A<br> B |
| 118492 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118494 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118500 |  |  | $XXXXXX<br> A |
| 118228 |  |  | $XXXXXX<br> A |
| 118503 |  |  | $XXXXXX<br> A |
| 118505 |  |  | $XXXXXX<br> A |
| 118506 |  |  | $XXXXXX<br> D<br> A |
| 118508 |  |  | $XXXXXX<br> A |
| 118450 |  |  | $XXXXXX<br> A |
| 118518 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118247 |  |  | $XXXXXX<br> A |
| 118454 |  |  | $XXXXXX<br> A |
| 118252 |  |  | $XXXXXX<br> A |
| 118254 |  |  | $XXXXXX<br> A |
| 118257 |  |  | $XXXXXX<br> A |
| 118456 |  |  | $XXXXXX<br> A |
| 118259 |  |  | $XXXXXX<br> A |
| 118273 |  |  | $XXXXXX<br> A |
| 118532 |  |  | $XXXXXX<br> A |
| 118346 | XXXXX |  | $XXXXXX<br> C<br> A |
| 118350 | XXXXX |  | $XXXXXX<br> A<br> C |
| 118404 | XXXXX |  | $XXXXXX<br> A |
| 118210 |  |  | $XXXXXX<br> A |
| 118225 |  |  | $XXXXXX<br> A |
| 118230 |  |  | $XXXXXX<br> A |
| 118231 |  |  | $XXXXXX<br> A<br> C |
| 118452 |  |  | $XXXXXX<br> A<br> C |
| 118453 |  |  | $XXXXXX<br> A |
| 118455 |  |  | $XXXXXX<br> A |
| 409033019 |  |  | $XXXXXX<br> A |
| 409033020 |  |  | $XXXXXX<br> D<br> A |
| 409033022 |  |  | $XXXXXX<br> A |
| 118550 |  |  | $XXXXXX<br> A |
| 409033030 |  |  | $XXXXXX<br> A |
| 409033031 |  |  | $XXXXXX<br> A |
| 409033034 |  |  | $XXXXXX<br> A |
| 409033035 |  |  | $XXXXXX<br> A |
| 409033037 |  |  | $XXXXXX<br> A |
| 409033042 |  |  | $XXXXXX<br> A |
| 409033044 |  |  | $XXXXXX<br> A |
| 118552 |  |  | $XXXXXX<br> B<br> A |
| 409033046 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409033050 |  |  | $XXXXXX<br> A |
| 409033051 |  |  | $XXXXXX<br> B<br> A |
| 409033052 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409033054 |  |  | $XXXXXX<br> B<br> A |
| 409033056 |  |  | $XXXXXX<br> A |
| 409033057 |  |  | $XXXXXX<br> A |
| 409033060 |  |  | $XXXXXX<br> B<br> A |
| 409033061 |  |  | $XXXXXX<br> D<br> A |
| 118386 |  |  | $XXXXXX<br> A |
| 118390 |  |  | $XXXXXX<br> A |
| 118392 |  |  | $XXXXXX<br> A |
| 118394 |  |  | $XXXXXX<br> A |
| 118396 |  |  | $XXXXXX<br> B<br> A |
| 118397 |  |  | $XXXXXX<br> A |
| 118403 |  |  | $XXXXXX<br> A |
| 118493 |  |  | $XXXXXX<br> D<br> A |
| 118496 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118498 |  |  | $XXXXXX<br> A |
| 118499 |  |  | $XXXXXX<br> D<br> A |
| 118504 |  |  | $XXXXXX<br> A |
| 118507 |  |  | $XXXXXX<br> A |
| 118509 |  |  | $XXXXXX<br> A<br> C |
| 118510 |  |  | $XXXXXX<br> A |
| 118512 |  |  | $XXXXXX<br> A |
| 118513 |  |  | $XXXXXX<br> C<br> A |
| 118514 |  |  | $XXXXXX<br> A<br> B |
| 118515 |  |  | $XXXXXX<br> A |
| 118517 |  |  | $XXXXXX<br> A |
| 118523 |  |  | $XXXXXX<br> A |
| 118524 |  |  | $XXXXXX<br> A |
| 118525 |  |  | $XXXXXX<br> A<br> B |
| 118528 |  |  | $XXXXXX<br> A |
| 118529 |  |  | $XXXXXX<br> A |
| 118244 |  |  | $XXXXXX<br> A |
| 118245 |  |  | $XXXXXX<br> A<br> B |
| 118246 |  |  | $XXXXXX<br> C<br> A |
| 118251 |  |  | $XXXXXX<br> A<br> B |
| 118256 |  |  | $XXXXXX<br> A |
| 118260 |  |  | $XXXXXX<br> A |
| 118261 |  |  | $XXXXXX<br> A |
| 118264 |  |  | $XXXXXX<br> A |
| 118269 |  |  | $XXXXXX<br> A |
| 118271 |  |  | $XXXXXX<br> A |
| 118272 |  |  | $XXXXXX<br> A |
| 118274 |  |  | $XXXXXX<br> A |
| 118275 |  |  | $XXXXXX<br> A |
| 118278 |  |  | $XXXXXX<br> D<br> A |
| 118279 |  |  | $XXXXXX<br> A |
| 118530 |  |  | $XXXXXX<br> A |
| 118549 |  |  | $XXXXXX<br> A |
| 118531 |  |  | $XXXXXX<br> A |
| 118534 |  |  | $XXXXXX<br> A |
| 118535 |  |  | $XXXXXX<br> D<br> A |
| 118540 |  |  | $XXXXXX<br> C<br> A |
| 409033023 |  |  | $XXXXXX<br> A |
| 409033025 |  |  | $XXXXXX<br> A |
| 409033028 |  |  | $XXXXXX<br> A |
| 409033033 |  |  | $XXXXXX<br> A |
| 409033038 |  |  | $XXXXXX<br> C<br> A |
| 409033039 |  |  | $XXXXXX<br> A |
| 409033043 |  |  | $XXXXXX<br> A |
| 409033045 |  |  | $XXXXXX<br> A |
| 409033048 |  |  | $XXXXXX<br> A |
| 409033055 |  |  | $XXXXXX<br> A |
| 409033059 |  |  | $XXXXXX<br> A |
| 118388 |  |  | $XXXXXX<br> A<br> C |
| 118400 |  |  | $XXXXXX<br> A |
| 118401 |  |  | $XXXXXX<br> A |
| 118490 |  |  | $XXXXXX<br> A |
| 118491 |  |  | $XXXXXX<br> D<br> A |
| 118501 |  |  | $XXXXXX<br> A |
| 118519 |  |  | $XXXXXX<br> D<br> B<br> A |
| 118520 |  |  | $XXXXXX<br> A |
| 118521 |  |  | $XXXXXX<br> A |
| 118522 |  |  | $XXXXXX<br> A |
| 118526 |  |  | $XXXXXX<br> A |
| 118527 |  |  | $XXXXXX<br> B<br> A |
| 118249 |  |  | $XXXXXX<br> A |
| 118250 |  |  | $XXXXXX<br> A |
| 118253 |  |  | $XXXXXX<br> A |
| 118255 |  |  | $XXXXXX<br> C<br> A |
| 118258 |  |  | $XXXXXX<br> A |
| 118265 |  |  | $XXXXXX<br> B<br> A |
| 118266 |  |  | $XXXXXX<br> A |
| 118267 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118268 |  |  | $XXXXXX<br> A |
| 118270 |  |  | $XXXXXX<br> A |
| 118276 |  |  | $XXXXXX<br> A |
| 118277 |  |  | $XXXXXX<br> A |
| 118281 |  |  | $XXXXXX<br> A |
| 409033158 |  |  | $XXXXXX<br> A |
| 118282 |  |  | $XXXXXX<br> A |
| 118533 |  |  | $XXXXXX<br> A |
| 118536 |  |  | $XXXXXX<br> A |
| 118551 |  |  | $XXXXXX<br> B<br> A |
| 118537 |  |  | $XXXXXX<br> A |
| 118538 |  |  | $XXXXXX<br> A |
| 118539 |  |  | $XXXXXX<br> A |
| 118541 |  |  | $XXXXXX<br> A |
| 118542 |  |  | $XXXXXX<br> A<br> C |
| 118543 |  |  | $XXXXXX<br> A |
| 118544 |  |  | $XXXXXX<br> A |
| 118545 |  |  | $XXXXXX<br> A |
| 118546 |  |  | $XXXXXX<br> A<br> C |
| 118547 |  |  | $XXXXXX<br> A<br> C |
| 118548 |  |  | $XXXXXX<br> A |
| 409033021 |  |  | $XXXXXX<br> A |
| 409033049 |  |  | $XXXXXX<br> C<br> A |
| 118393 |  |  | $XXXXXX<br> A |
| 118497 |  |  | $XXXXXX<br> A |
| 118248 |  |  | $XXXXXX<br> A |
| 118262 |  |  | $XXXXXX<br> A |
| 118263 |  |  | $XXXXXX<br> A |
| 118280 |  |  | $XXXXXX<br> A |
| 118553 |  |  | $XXXXXX<br> A |

---

## Exhibit 99.13

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 118296 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.93 | 76.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 118317 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.0 | 79.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409019547 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0071 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0071 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 118197 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 89.0 | 89.0 | $XXX | $XXX | -.1020 | Desk Review |  |  |  |  | $XXX | $XXX | .1475 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1020 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409033017 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.11 | 58.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118169 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 118171 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.21 | 62.21 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 118199 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 86.66 | 86.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 118175 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56 | 55.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409033027 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 118201 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 87.5 | 87.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118202 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 88.0 | 88.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118203 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118204 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.95 | 89.95 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 118206 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118180 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.16 | 70.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118181 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.14 | 63.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118182 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.25 | 79.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 118207 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.91 | 89.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118183 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.99 | 67.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 118184 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.1 | 68.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118189 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.24 | 47.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118190 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.46 | 71.46 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118192 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 78.05 | 78.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 118439 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.37 | 69.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118194 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.57 | 58.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118211 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118422 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118213 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.0 | 89.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 118423 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.33 | 48.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 118425 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 118387 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.88 | 71.88 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 118214 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.58 | 89.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118433 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.39 | 47.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118216 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.97 | 89.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118435 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.45 | 73.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 118219 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118221 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118227 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 118229 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 118502 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.05 | 57.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 118312 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.97 | 78.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 118332 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0417 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0417 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 118315 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118301 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.71 | 75.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 118319 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.87 | 77.87 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409013861 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 118198 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 118176 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 118178 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.08 | 74.08 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 118179 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.35 | 61.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 118185 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.61 | 47.61 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 118186 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.42 | 77.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 118187 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.88 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118188 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.65 | 65.65 | $XXX | $XXX | -.0927 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0927 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 118191 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.34 | 72.34 | $XXX | $XXX | -.0305 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0305 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 118193 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.57 | 65.57 | $XXX | $XXX | -.0317 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0317 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 118421 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 118440 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.63 | 74.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 118424 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.99 | 51.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 118426 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 72.04 | 72.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 118429 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118430 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.75 | 73.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| 118431 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409033058 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.73 | 72.73 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 118432 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 118434 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118218 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.95 | 89.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 118220 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 87.0 | 87.0 | $XXX | $XXX | -.0481 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0481 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 118223 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118224 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.9 | 89.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 118226 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.0 | 89.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 118437 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.7 | 79.7 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 118495 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0121 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0121 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 118511 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 118516 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118438 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.57 | 36.57 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 118451 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118168 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.82 | 62.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 118170 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118172 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 118173 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 118174 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.77 | 71.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118177 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.56 | 74.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118427 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.81 | 63.81 | $XXX | $XXX | -.0480 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0480 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 118428 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.96 | 65.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 118436 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.27 | 74.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409024800 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0459 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0459 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409033018 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409033024 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.44 | 56.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 118200 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 89.99 | 89.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409033026 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 409033029 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409033032 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118205 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.8 |  |
| 409033036 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 66.53 | 66.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409033040 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409033041 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.43 | 43.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 118208 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 118209 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409033047 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.15 | 71.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118212 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409033053 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 118389 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0800 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0800 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 118391 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.32 | 39.32 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 118215 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 118395 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.37 | 59.37 | $XXX | $XXX | -.0593 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0593 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 118398 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118222 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 118399 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.46 | 72.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 118402 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 118492 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118494 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 118500 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 118228 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.97 | 89.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 118503 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0127 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0127 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1139 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 118505 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 118506 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.0 | 79.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118508 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.36 | 65.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 118450 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 118518 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.78 | 65.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 118247 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.82 | 78.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 118454 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.28 | 89.28 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 118252 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 118254 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.05 | 42.05 | $XXX | $XXX | -.1120 | Desk Review |  |  |  |  | $XXX | $XXX | .0039 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1120 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 118257 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.28 | 61.28 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 118456 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118259 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118273 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.35 | 73.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 118532 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.38 | 79.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 118346 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 118350 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.97 | 72.97 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 118404 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 118210 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 118225 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118230 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.91 | 89.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| 118231 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118452 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118453 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 118455 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409033019 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.47 | 60.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409033020 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409033022 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 118550 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.55 | 61.55 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409033030 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.12 | 74.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 409033031 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 74.03 | 74.03 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409033034 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.29 | 73.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409033035 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.0 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409033037 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.32 | 64.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409033042 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.2 | 65.2 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 409033044 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 118552 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 409033046 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409033050 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.11 | 52.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409033051 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.66 | 61.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 409033052 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.07 | 60.07 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409033054 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409033056 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.49 | 61.49 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409033057 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.96 | 73.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409033060 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.09 | 77.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409033061 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 118386 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118390 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.16 | 62.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 118392 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 118394 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 118396 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.43 | 78.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118397 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.55 | 72.55 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 118403 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.71 | 73.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118493 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 118496 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 118498 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118499 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118504 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 118507 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 118509 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 118510 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118512 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 118513 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.62 | 79.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 118514 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.87 | 77.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 118515 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.32 | 72.32 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 118517 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.28 | 71.28 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 118523 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.17 | 55.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 118524 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.8 | 72.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118525 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.77 | 69.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118528 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.04 | 63.04 | $XXX | $XXX | -.2685 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2685 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 118529 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118244 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.59 | 72.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 118245 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.29 | 58.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 118246 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.38 | 78.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 118251 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 118256 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 118260 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.28 | 75.28 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 118261 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 118264 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.69 | 74.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118269 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 118271 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.81 | 64.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118272 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.52 | 51.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 118274 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 118275 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 118278 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 118279 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.11 | 62.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 118530 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118549 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.75 | 59.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 118531 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 118534 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118535 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.23 | 69.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 118540 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409033023 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409033025 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409033028 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 409033033 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409033038 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 409033039 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409033043 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0508 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0508 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409033045 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409033048 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.99 | 63.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409033055 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.74 | 67.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409033059 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 54.0 | 54.0 | $XXX | $XXX | -.0100 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0100 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 118388 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 118400 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.37 | 78.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 118401 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 118490 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.79 | 69.79 | $XXX | $XXX | -.0597 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0597 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118491 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.08 | 47.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 118501 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.31 | 76.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 118519 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118520 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 118521 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 118522 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.16 | 67.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118526 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.76 | 72.76 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 118527 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.89 | 70.89 | $XXX | $XXX | -.0869 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0869 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 118249 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.86 | 44.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 118250 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.01 | 71.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 118253 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118255 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.01 | 73.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 118258 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 118265 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 118266 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 118267 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.92 | 77.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 118268 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.73 | 51.73 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 118270 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 118276 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118277 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.68 | 55.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 118281 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.62 | 50.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409033158 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.23 | 69.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118282 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.7 |  |
| 118533 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.74 | 71.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118536 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.52 | 71.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 118551 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.89 | 75.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 118537 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.7 | 57.7 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 118538 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.97 | 76.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 118539 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118541 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118542 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 118543 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.06 | 62.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 118544 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.58 | 66.58 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 118545 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 118546 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 118547 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.78 | 59.78 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 118548 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 409033021 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409033049 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.7 | 78.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 118393 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.82 | 69.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 118497 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.17 | 76.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 118248 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 118262 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.42 | 62.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 118263 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.79 | 77.79 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 118280 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.12 | 76.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 118553 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.08 | 65.08 | $XXX | $XXX | -.0487 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0487 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |

---

## Exhibit 99.14

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 118350 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Cash-out including debt paid XXX confirmed on Final CD |
| 118225 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX is XXX. |
| 118452 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Loan is a New construction XXX verified per contract of sale. |
| 118251 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Based on the loan docs the XXX is a XXX |
| 118271 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Confirmed that this is a first-time home buyer XXX not a XXX |
| 118275 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Transaction is a XXX |
| 118540 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | The property is a XXX |
| 118266 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | The XXX is a XXX of primary property |
| 409033158 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Transaction type updated to reflect XXX and not XXX |
| 118545 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX is XXX |

---

## Exhibit 99.15

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 118296 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 25 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | 6 | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118317 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 33 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409019547 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 72 | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118197 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409033017 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118169 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 1 | 1 | No | 1 | 1 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118171 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 97 | 1 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118199 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118175 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033027 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 30 | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118201 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 118202 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118203 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118204 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118206 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118180 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118181 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118182 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118207 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118183 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118184 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 200 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118189 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118190 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 2 | 2 | No | 2 | 2 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118192 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 118439 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118194 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118211 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118422 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118213 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 32 | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118423 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 1 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118425 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118387 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118214 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 36 | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118433 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118216 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118217 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 10 | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118435 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118219 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118221 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 00 | 0 |  | XXX | XXX |
| 118227 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118229 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118502 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118312 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 4 | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter | 1 - Not Stated, Not Verified | 3 - Stated, 3rd Party Verification | 1 - Not Stated, Not Verified | XXX | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 111 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118332 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 2 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118315 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 193 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118301 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 9 | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118319 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 10 | Yes | No | 12 | Yes | 147 | 1 | 2 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409013861 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 10 | 1 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 118198 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118176 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 264 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118178 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118179 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 22 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 00 | 0 | 00 |  | XXX | XXX |
| 118185 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118186 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118187 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118188 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118191 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118193 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118421 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118440 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 75 | 2 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118424 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118426 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 118429 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 37 | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118430 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 257 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118431 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033058 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 69 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118432 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 00 | 0 |  | XXX | XXX |
| 118434 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 223 | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118218 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | Yes | No | 24 | No |  | 0 | 2 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118220 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 189 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118223 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118224 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118226 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 93 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118437 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 156 | 2 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118495 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 286 | 0 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118511 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118516 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118438 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118451 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX | 3 - Verified<2Mos | 3 - Verified<2Mos | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118168 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118170 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118172 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118173 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118174 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 82 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118177 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118427 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 210 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118428 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 47 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118436 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 77 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024800 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 100 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033018 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033024 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118200 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409033026 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | Yes | No | 12 | No |  | 0 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409033029 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033032 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118205 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033036 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409033040 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 1 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033041 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118208 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118209 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033047 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118212 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033053 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118389 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118391 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 22 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118215 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118395 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 128 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118398 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Community does not Participate | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118222 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 297 | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118399 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118402 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118492 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118494 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 100 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118500 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118228 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118503 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118505 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118506 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118508 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118450 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118518 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118247 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118454 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118252 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 115 | 0 | 2 | No | 1 | 1 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118254 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118257 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118456 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118259 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 0 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118273 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118532 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118346 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 10 | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Max Amount |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118350 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 109 | 0 | 2 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118404 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118210 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118225 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 11 | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118230 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118231 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118452 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118453 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118455 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033019 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033020 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033022 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118550 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033030 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033031 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 3 | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | XXX | XXX | No |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 168 | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX | 2 - Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033034 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033035 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033037 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033042 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033044 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118552 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 00 | 0 | 0 |  | XXX | XXX |
| 409033046 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033050 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033051 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033052 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409033054 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033056 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033057 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033060 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033061 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 000 | 0 | 0 |  | XXX | XXX |
| 118386 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 64 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118390 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118392 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118394 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118396 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 69 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118397 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118403 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118493 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118496 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118498 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118499 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118504 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118507 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118509 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118510 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118512 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118513 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118514 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118515 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118517 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118523 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 116 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118524 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118525 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118528 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118529 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118244 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118245 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118246 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118251 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118256 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118260 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118261 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118264 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118269 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | Yes | 71 | 2 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 2 | 0 | 0 |  | XXX | XXX |
| 118271 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118272 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118274 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118275 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118278 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118279 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118530 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118549 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 43 | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118531 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118534 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118535 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118540 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033023 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033025 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033028 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033033 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033038 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033039 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033043 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033045 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409033048 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033055 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033059 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 71 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 118388 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118400 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 121 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118401 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 00 |  | XXX | XXX |
| 118490 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118491 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118501 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118519 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118520 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118521 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 13 | 2 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118522 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118526 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118527 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118249 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118250 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 279 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118253 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 305 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 118255 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 58 | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118258 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118265 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 55 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118266 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118267 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 288 | No |  | 1 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118268 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118270 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 18 | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118276 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118277 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118281 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033158 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | 4 - Verified 2+ Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118282 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118533 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118536 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118551 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118537 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118538 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118539 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118541 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 55 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118542 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118543 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118544 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118545 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118546 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 3 | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | XXX | XXX | No |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 13 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX | 3 - Verified<2Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118547 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118548 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033021 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033049 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118393 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 45 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118497 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118248 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118262 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118263 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 24 | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118280 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |
| 118553 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  | XXX | 12 | No | No | 0 | Yes | 37 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | XXX | XXX |

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