# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-25-061759
**Filing Date:** 2025-7
**Character Count:** 3134242
**Document Hash:** 7966a58b27fe1db3fc152cb0bf3d2b58
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-061759.hdr.sgml**: 20250707

**ACCESSION NUMBER**: 0001213900-25-061759

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

**PUBLIC DOCUMENT COUNT**: 69

**CONFORMED PERIOD OF REPORT**: 20250707

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

**FILED AS OF DATE**: 20250707

**DATE AS OF CHANGE**: 20250707

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 251108046

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

**OMB Number: 3235-0675**

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

<br> **FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> 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 filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of sponsor: <u>0001889966</u> 

Barclays Mortgage Loan Trust 2025-NQM4

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u> 

Sanyogita Lakhera (212) 526-4149

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

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 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.

---

| | | |
|:---|:---|:---|
|  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: July 7, 2025 | By: | /s/ Sanyogita Lakhera |
|  | Name: | Sanyogita Lakhera |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Narrative](ea024824401_ex99-1.htm)

[Schedule 1 – Data Compare](ea024824401_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea024824401_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea024824401_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea024824401_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – CA Narrative](ea024824401_ex99-2.htm)

[Schedule 1 – Data Compare](ea024824401_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea024824401_ex99-2sch2.htm)

[Schedule 3 – RA Grades Summary](ea024824401_ex99-2sch3.htm)

[Schedule 4 – Valuation Report](ea024824401_ex99-2sch4.htm)

[99.3 - Third Party Due Diligence Report – Canopy Narrative](ea024824401_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea024824401_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea024824401_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail](ea024824401_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary](ea024824401_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea024824401_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Clarifii Narrative](ea024824401_ex99-4.htm)

[Schedule 1 – ATR QM Report](ea024824401_ex99-4sch1.htm)

[Schedule 2 – Data Compare Report](ea024824401_ex99-4sch2.htm)

[Schedule 3 – RA Grades Detail](ea024824401_ex99-4sch3.htm)

[Schedule 4 – RA Grades Summary](ea024824401_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](ea024824401_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report – Clayton Narrative](ea024824401_ex99-5.htm)

[Schedule 1 – Conditions Detail](ea024824401_ex99-5sch1.htm)

[Schedule 2 – Loan Grades](ea024824401_ex99-5sch2.htm)

[Schedule 3 – Loan Level Tape Compare](ea024824401_ex99-5sch3.htm)

[Schedule 4 – Non ATR QM Upload](ea024824401_ex99-5sch4.htm)

[Schedule 5 – Rating Agency ATR QM Data](ea024824401_ex99-5sch5.htm)

[Schedule 7 – Valuations Summary](ea024824401_ex99-5sch7.htm)

[99.6 - Third Party Due Diligence Report – Evolve Narrative](ea024824401_ex99-6.htm)

[Schedule 1 – Data Compare](ea024824401_ex99-6sch1.htm)

[Schedule 2 – Exception Detail](ea024824401_ex99-6sch2.htm)

[Schedule 3 – QM ATR Data](ea024824401_ex99-6sch3.htm)

[Schedule 4 – RA Grades](ea024824401_ex99-6sch4.htm)

[Schedule 5 – Valuation Report](ea024824401_ex99-6sch5.htm)

[99.7 - Third Party Due Diligence Report – Maxwell Narrative](ea024824401_ex99-7.htm)

[Schedule 1 – Data Compare](ea024824401_ex99-7sch1.htm)

[Schedule 2 – Grading Report](ea024824401_ex99-7sch2.htm)

[Schedule 3 – Standard Exceptions Report](ea024824401_ex99-7sch3.htm)

[Schedule 4 – Valuation Report](ea024824401_ex99-7sch4.htm)

[99.8 - Third Party Due Diligence Report – Selene Narrative](ea024824401_ex99-8.htm)

[Schedule 1 – Data Compare](ea024824401_ex99-8sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea024824401_ex99-8sch2.htm)

[Schedule 3 – Standard Findings](ea024824401_ex99-8sch3.htm)

[Schedule 4 – Valuation Report](ea024824401_ex99-8sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted during October 2024 through June 2025 on mortgage loans with origination dates from October 2024 through April 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (173 loans), Business Purpose Scope (2 loans) and Business Purpose with Limited Compliance Scope (2 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope and Business Purpose with Limited Compliance Scope are together referred to as the mortgage loans.

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

The initial population consisted of 177 mortgage loans.

The final population of the Review covered 177 mortgage loans totaling an aggregate original principal balance of approximately $19.948 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The 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.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Monthly HOA Dues | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original HLTV |  |

---

1 \| Page

![](ex99-1_001.jpg)

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 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.

2 \| Page

![](ex99-1_001.jpg)

**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.

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

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

**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client.

For this review, procedures followed included:

▪ Reviewing the
provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other
Loan Approval documentation.

▪ Examining appraisal
reports, BPO's, and appraisal reviews to determine if the property type is consistent with underwritten property type and usage
(such as evidence/an indication of either owner or tenant occupancy) and comparing this information against other relevant information
contained within applicable sections of the loan file to evaluate consistency, accuracy, and adheres to the credit policy.

▪ Reviewing environmental
reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.

▪ Reviewing credit
reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements,
and consistency with the Final Loan Approval worksheet.

▪ Reviewing HUD-1's,
Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms
and amounts/LTV/LTC as well as adherence to credit policy requirements.

▪ Reviewing LOI/LOE(s)
for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with
the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s).

▪ Reviewing Final
Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and
that the listed residence for the Individual(s) is an address other than the subject property.

▪ Confirming,
if applicable, business license(s) and P&L's are present, valid, and adheres to credit policy requirements.

▪ Confirming,
if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements.

▪ Reviewing final
loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency
with all other documentation contained in the review file.

▪ Reviewing the
Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of a completed fields, and verifying
that the hand written Primary Residence address differs from the subject property address, and is signed/dated as required.

3 \| Page

![](ex99-1_001.jpg)

▪ Verifying
presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor
identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing
all required signatures.

▪ Comparing the Primary Residence address(es)
listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

▪ Documenting any non-approved credit
policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.

▪ Reviewing and calculating that the
DSCR and/or Property DTI conforms with applicable guidelines.

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business<br> – Purpose Letter of Intent (LOI) /<br> Letter of Explanation (LOE) |
| &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Environmental reports\* | &nbsp;&nbsp;Note |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Rent Roll\* |
| &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Final Form 1003 / Loan <br> Application(s) | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Final HUD-1\* / Loan Estimate (LE)\* / Closing Disclosure (CD)\* | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Certification(s) of Business purpose of loan | &nbsp;&nbsp;Flood certificates | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* |
| &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* | &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Identification / proof of residency status |  |

---

**DATA COLLECTION**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

**(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.

4 \| Page

![](ex99-1_001.jpg)

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

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

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

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

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.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to recalculated Finance Charge.

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<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:

---

| | |
|:---|:---|
| 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, |

---

---

| | |
|:---|:---|
| 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 |

---

---

| | |
|:---|:---|
| 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. |

---

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

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

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

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

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

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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:**

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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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.

**()** **Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

**<u>BUSINESS SCOPE LIMITED COMPLIANCE REVIEW</u>**

Includes Business Review Scope with additional limited compliance review below.

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**State Compliance Review applicable to non-owner occupied loans:**

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High Cost testing in Chicago Illinois
and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other applicable
state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming, and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State specific
prepayment penalty and late charge testing applicable to non-owner occupied loans.

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

12 \| Page

![](ex99-1_001.jpg)

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred seventy-seven (177) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria seventy-two (72) loans (40.68%) had an Overall grade of "A", seventeen (17) loans (9.60%) had an Overall grade of "B", and eighty-eight (88) loans (49.72%) had an Overall grade of "D". After all documents were presented, under the applicable Kroll NRSRO grading criteria one hundred forty-four (144) loans (81.36%) had an Overall grade of "A" and thirty-three (33) loans (18.64%) had an Overall grade of "B".

---

| | | |
|:---|:---|:---|
| **S&P Overall Loan Grades** | **S&P Overall Loan Grades** | **S&P Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 72 | 40.68% |
| B | 17 | 9.60% |
| C | 0 | 0.00% |
| D | 88 | 49.72% |
| **Total** | **177** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Kroll Overall Loan Grades** | **Kroll Overall Loan Grades** | **Kroll Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 144 | 81.36% |
| B | 33 | 18.64% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **177** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

One hundred sixty (160) loans (90.40%) reviewed received an "A" Credit grade and seventeen (17) loans (9.60%) received a "B" Credit grade. No loans had a Credit grade lower than "B".

---

| | | |
|:---|:---|:---|
| **S&P & Kroll Credit Loan Grades** | **S&P & Kroll Credit Loan Grades** | **S&P & Kroll Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 160 | 90.40% |
| B | 17 | 9.60% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **177** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Two (2) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable NRSRO grading criteria one hundred fifty-nine (159) loans (90.86%) had a Compliance grade of "A" and sixteen (16) loans (9.14%) had a Compliance grade of "B". No loans had a Compliance grade lower than "B".

---

| | | |
|:---|:---|:---|
| **S&P & Kroll Compliance Loan Grades** | **S&P & Kroll Compliance Loan Grades** | **S&P & Kroll Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 159 | 90.86% |
| B | 16 | 9.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **175** | **100.00%** |

---

13 \| Page

![](ex99-1_001.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred seventy-seven (177) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria eighty-nine (89) loans (50.28%) had a Property grade of "A", and eighty-eight (88) loans (49.72%) had a Property grade of "D". After all documents were presented, under the applicable Kroll NRSRO grading criteria eighteen (18) loans (10.17%) had a Property grade of "A" and one hundred fifty-nine (159) loans (89.83%) had a Property grade of "N/A".

---

| | | |
|:---|:---|:---|
| **S&P Property Loan Grades** | **S&P Property Loan Grades** | **S&P Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 89 | 50.28% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 88 | 49.72% |
| **Total** | **177** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Kroll Property Loan Grades** | **Kroll Property Loan Grades** | **Kroll Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 18 | 10.17% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 159 | 89.83% |
| **Total** | **177** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred seventy-seven (177) Loans reviewed, seven (7) unique Loans had thirty-two (32) different tape discrepancies across twenty-four (24) data fields (some Loans had more than one data delta). The most variances were found on Note Date.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br>**Variance** | **# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | 0 | 5 | 0.00% | 177 |
| &nbsp;&nbsp;Amortization Term | 1 | 177 | 0.56% | 177 |
| &nbsp;&nbsp;Amortization Type | 0 | 173 | 0.00% | 177 |
| &nbsp;&nbsp;Appraisal As-Is Value | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Appraisal Date | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Appraisal Effective Date | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Appraised Value | 0 | 5 | 0.00% | 177 |
| &nbsp;&nbsp;Balloon Flag | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Blanket Mortgage? | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Borrower Citizenship | 1 | 2 | 50.00% | 177 |
| &nbsp;&nbsp;Borrower EIN | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Borrower First Name | 2 | 7 | 28.57% | 177 |
| &nbsp;&nbsp;Borrower FTHB | 0 | 3 | 0.00% | 177 |

---

14 \| Page

![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower Last Name | 1 | 8 | 12.50% | 177 |
| &nbsp;&nbsp;Borrower Qualifying FICO | 0 | 170 | 0.00% | 177 |
| &nbsp;&nbsp;Cash To Borrower | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;City | 0 | 8 | 0.00% | 177 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | 0 | 52 | 0.00% | 177 |
| &nbsp;&nbsp;Contract Sales Price | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Decision System | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Escrow Account | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;First Payment Date | 1 | 2 | 50.00% | 177 |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Interest Only | 0 | 2 | 0.00% | 177 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 3 | 173 | 1.73% | 177 |
| &nbsp;&nbsp;Last Property Transfer Date | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Lien Position | 0 | 7 | 0.00% | 177 |
| &nbsp;&nbsp;Loan Property Count | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Maturity Date | 1 | 5 | 20.00% | 177 |
| &nbsp;&nbsp;Monthly HOA Dues | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Monthly Taxes | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Neg Am | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Note Date | 4 | 8 | 50.00% | 177 |
| &nbsp;&nbsp;Occupancy | 0 | 176 | 0.00% | 177 |
| &nbsp;&nbsp;Original CLTV | 2 | 174 | 1.15% | 177 |
| &nbsp;&nbsp;Original HLTV | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Original Interest Rate | 0 | 8 | 0.00% | 177 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 8 | 0.00% | 177 |
| &nbsp;&nbsp;Original LTV | 1 | 177 | 0.56% | 177 |
| &nbsp;&nbsp;Original P&I | 1 | 5 | 20.00% | 177 |
| &nbsp;&nbsp;Original Term | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Origination Channel | 0 | 3 | 0.00% | 177 |
| &nbsp;&nbsp;PITIA Reserves Months | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | 0 | 2 | 0.00% | 177 |
| &nbsp;&nbsp;Product Description | 0 | 1 | 0.00% | 177 |
| &nbsp;&nbsp;Property Type | 2 | 177 | 1.13% | 177 |
| &nbsp;&nbsp;Purpose | 0 | 177 | 0.00% | 177 |
| &nbsp;&nbsp;Refi Purpose | 0 | 172 | 0.00% | 177 |
| &nbsp;&nbsp;Representative FICO | 0 | 7 | 0.00% | 177 |
| &nbsp;&nbsp;State | 0 | 8 | 0.00% | 177 |
| &nbsp;&nbsp;Street | 0 | 8 | 0.00% | 177 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | 1 | 1 | 100.00% | 177 |
| &nbsp;&nbsp;Zip | 1 | 177 | 0.56% | 177 |
| &nbsp;&nbsp;**Total** | **32** | **2107** | **1.52%** | **177** |

---

15 \| Page

![](ex99-1_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan<br> Count** | **% of <br> Loans** | **Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Fixed | 177 | 100.00% | $19948116.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **177** | **100.00%** | **$19948116.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Loan <br> Count** | **% of <br> Loans** | **Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;1 | 8 | 4.52% | $4933050.00 | 24.73% |
| &nbsp;&nbsp;2 | 169 | 95.48% | $15015066.00 | 75.27% |
| &nbsp;&nbsp;**Total** | **177** | **100.00%** | **$19948116.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan <br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | 172 | 97.18% | $15608566.00 | 78.25% |
| &nbsp;&nbsp;First Time Home Purchase | 2 | 1.13% | $915500.00 | 4.59% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | 3 | 1.69% | $3424050.00 | 17.16% |
| &nbsp;&nbsp;**Total** | **177** | **100.00%** | **$19948116.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;0-120 Months | 13 | 7.34% | $717965.00 | 3.60% |
| &nbsp;&nbsp;181-240 Months | 156 | 88.14% | $14297101.00 | 71.67% |
| &nbsp;&nbsp;241-360 Months | 8 | 4.52% | $4933050.00 | 24.73% |
| &nbsp;&nbsp;**Total** | **177** | **100.00%** | **$19948116.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Single Family Detached | 116 | 65.54% | $14051006.00 | 70.44% |
| &nbsp;&nbsp;Condo, Low Rise | 6 | 3.39% | $573930.00 | 2.88% |
| &nbsp;&nbsp;PUD | 50 | 28.25% | $3910130.00 | 19.60% |
| &nbsp;&nbsp;1 Family Attached | 2 | 1.13% | $184000.00 | 0.92% |
| &nbsp;&nbsp;2 Family | 1 | 0.56% | $285000.00 | 1.43% |
| &nbsp;&nbsp;3 Family | 1 | 0.56% | $649675.00 | 3.26% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | 1 | 0.56% | $294375.00 | 1.48% |
| &nbsp;&nbsp;**Total** | **177** | **100.00%** | **$19948116.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Primary | 172 | 97.18% | $18460566.00 | 92.54% |
| &nbsp;&nbsp;Investment | 4 | 2.26% | $1382550.00 | 6.93% |
| &nbsp;&nbsp;Second Home | 1 | 0.56% | $105000.00 | 0.53% |
| &nbsp;&nbsp;**Total** | **177** | **100.00%** | **$19948116.00** | **100.00%** |

---

16 \| Page

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 7/1/2025 10:37:13 AM** | **Run Date - 7/1/2025 10:37:13 AM** | **Run Date - 7/1/2025 10:37:13 AM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| (redacted) | 4 | (redacted) |  |  | Investor: Qualifying Total Debt Ratio | 43.774 | 47.12694 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 9 | (redacted) |  |  | Investor: Qualifying Total Debt Ratio | 28.497 | 33.0206 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 9 | (redacted) |  |  | Original CLTV | 72 | 70.73293 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 170 | (redacted) |  |  | Note Date |  | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 170 | (redacted) |  |  | Original CLTV | 42.64 | 47.23077 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 170 | (redacted) |  |  | Original LTV | 42.64 | 47.23077 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| (redacted) | 170 | (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 171 | (redacted) |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 171 | (redacted) |  |  | Note Date |  | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 171 | (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 172 | (redacted) |  |  | Last Property Transfer Date | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 172 | (redacted) |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| (redacted) | 172 | (redacted) |  |  | Original HLTV |  | 75 | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 172 | (redacted) |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| (redacted) | 172 | (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 172 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 172 | (redacted) |  |  | Note Date |  | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 172 | (redacted) |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| (redacted) | 172 | (redacted) |  |  | Original P&I |  | 1944.20 | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 172 | (redacted) |  |  | Property Type |  | 2 Family | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 172 | (redacted) |  |  | Cash To Borrower | 140000.00 | 113386.94 | Verified | Field value reflects source document |
| (redacted) | 172 | (redacted) |  |  | Borrower EIN | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 172 | (redacted) |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| (redacted) | 172 | (redacted) |  |  | PITIA Reserves Months | 6.00 | 58.22 | Verified | Field value reflects source document |
| (redacted) | 173 | (redacted) |  |  | Monthly HOA Dues | 0.00 |  | Verified | NO HOA dues |
| (redacted) | 173 | (redacted) |  |  | Property Type | Commercial | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 173 | (redacted) |  |  | Appraisal Date | [redacted] | [redacted] | Verified | Tape Value reflects Appraisal Effective Date |
| (redacted) | 173 | (redacted) |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 173 | (redacted) |  |  | Subject Debt Service Coverage Ratio | 1.62 | 1.66 | Verified | Lender used market rent amount $5,35 versus the actual lease amount of $xx. |
| (redacted) | 177 | (redacted) |  |  | Note Date |  | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 177 | (redacted) |  |  | Investor: Qualifying Total Debt Ratio | 45.04 | 36.12428 | Verified | Lender included Somerset monthly obligation n 1008 for DTi 45% . It was paid at closing for review DTI lower at 36.12428 |
| (redacted) | 177 | (redacted) |  |  | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| (redacted) | 1 | (redacted) |  | 32618780 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 1 | (redacted) |  | 32618781 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 2 | (redacted) |  | 32618784 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 2 | (redacted) |  | 32618785 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 2 | (redacted) |  | 32618788 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: [redacted] on subject loan of [redacted]<br> % or Final Disclosure [redacted] of [redacted]<br> % is equal to or greater than the threshold of [redacted] [redacted]<br> % + [redacted]<br> %, or [redacted]<br> %. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-21): Seller accepts with no change in grading |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 2 | (redacted) |  | 32618789 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]<br> Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-11-21): Seller accepts with no change in grading |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 3 | (redacted) |  | 32618795 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 3 | (redacted) |  | 32618796 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 4 | (redacted) |  | 32618825 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 4 | (redacted) |  | 32618826 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 5 | (redacted) |  | 32618839 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 6 | (redacted) |  | 32618843 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 6 | (redacted) |  | 32618844 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 6 | (redacted) |  | 32618847 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | The file is missing evidence the Tangible Net Benefit Disclosure was provided to the Borrower. |  |  |  | Buyer Comment (2024-11-21): Seller acknowledges the exception, no change to grading. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 6 | (redacted) |  | 32618848 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The borrower's [redacted] W-2 was blank. Please provide for review. |  |  |  | Reviewer Comment (2024-11-21): Received [redacted] W-2 document. Exception Cleared.<br>Buyer Comment (2024-11-21): Please see the attached W2. | 11/21/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 7 | (redacted) |  | 32618877 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 | (redacted) |  | 32618878 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 8 | (redacted) |  | 32618883 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 8 | (redacted) |  | 32618884 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 8 | (redacted) |  | 32618888 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted]Tangible Net Benefit Disclosure Signed by Borrower | [redacted]Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not signed by the Borrower prior to closing. | Per [redacted]compliance department: [redacted]recently passed a bill which now requires a Tangible Net Benefit Disclosure. This new requirement is effective for loans closed on or after[redacted] The requirement states that "In order to demonstrate a reasonable tangible net benefit to the borrower, the circumstances at the time of application must be documented in writing and must be signed by the borrower prior to the closing date." The new requirement can be found here on page [redacted] ([redacted]): https://[redacted]&version=[redacted]&session=ls[redacted]&session_year=[redacted]&session_number=[redacted]&format=pdf |  |  |  | Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 9 | (redacted) |  | 32618894 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted]has been discontinued effective [redacted]. Average Prime Offer Rate ([redacted]) used in lieu of [redacted] effective[redacted], pursuant to [redacted] [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 9 | (redacted) |  | 32618896 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 9 | (redacted) |  | 32618897 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 10 | (redacted) |  | 32618906 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CT | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 10 | (redacted) |  | 32618907 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CT | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 10 | (redacted) |  | 32618908 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2024-11-21): Received the Flood insurance policy, Exception cleared.<br>Buyer Comment (2024-11-21): Flood insurance policy is in your loan file on page [redacted]([redacted])<br>Buyer Comment (2024-11-21): Please see the attached flood insurance policy. | 11/21/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 11 | (redacted) |  | 32618915 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 11 | (redacted) |  | 32618916 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 12 | (redacted) |  | 32618974 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 12 | (redacted) |  | 32618975 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 13 | (redacted) |  | 32618984 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| (redacted) | 13 | (redacted) |  | 32618985 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| (redacted) | 13 | (redacted) |  | 32618986 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted]Constitution Section [redacted](a)[redacted]: [redacted]Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. | Documentation was not found to verify the borrower received the most recent/final loan application at least [redacted] day prior to closing as required. |  |  |  | Reviewer Comment (2024-11-26): Evidence the 1003 was received at least [redacted] business day prior to closing has been provided. Exception cleared.<br>Buyer Comment (2024-11-25): Please see attached confirming the 1003 was viewed on [redacted]. This confirms the application was disclosed prior to closing on [redacted] | 11/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| (redacted) | 13 | (redacted) |  | 32618987 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | [redacted]Constitution Section [redacted](a)[redacted]: [redacted][redacted](a)[redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted][redacted](a)[redacted]-[redacted] or [redacted]. Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | Buyer Comment (2024-11-22): Seller acknowledges the exception, no change to grading. |  |  | 11/22/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| (redacted) | 14 | (redacted) |  | 32618997 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 14 | (redacted) |  | 32618998 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 15 | (redacted) |  | 32619004 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 15 | (redacted) |  | 32619005 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 16 | (redacted) |  | 32619008 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 16 | (redacted) |  | 32619009 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 17 | (redacted) |  | 32619046 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 17 | (redacted) |  | 32619047 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 18 | (redacted) |  | 32619056 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 18 | (redacted) |  | 32619057 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 18 | (redacted) |  | 32619060 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-11-25): Seller accepts with no change in grading |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 18 | (redacted) |  | 32619061 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: [redacted] on subject loan of [redacted]% or Final Disclosure [redacted] of [redacted]% is equal to or greater than the threshold of [redacted] [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-25): Seller accepts with no change in grading |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 19 | (redacted) |  | 32619069 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 19 | (redacted) |  | 32619070 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted]provide relief. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 20 | (redacted) |  | 32619126 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 20 | (redacted) |  | 32619127 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 21 | (redacted) |  | 32619129 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted]has been discontinued effective [redacted]. Average Prime Offer Rate ([redacted]) used in lieu of [redacted] effective [redacted], pursuant to [redacted] [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 21 | (redacted) |  | 32619131 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-21): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 21 | (redacted) |  | 32619132 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 22 | (redacted) |  | 32619157 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 22 | (redacted) |  | 32619158 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 23 | (redacted) |  | 32619178 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 23 | (redacted) |  | 32619179 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 24 | (redacted) |  | 32619183 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | LA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 24 | (redacted) |  | 32619184 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | LA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 25 | (redacted) |  | 32619187 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 25 | (redacted) |  | 32619188 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 26 | (redacted) |  | 32619192 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 27 | (redacted) |  | 32619228 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-25): Seller acknowledges exception, no change to grading. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 27 | (redacted) |  | 32619229 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 27 | (redacted) |  | 32619230 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 28 | (redacted) |  | 32619328 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 28 | (redacted) |  | 32619331 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 29 | (redacted) |  | 32619387 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 29 | (redacted) |  | 32619388 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 30 | (redacted) |  | 32619390 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 31 | (redacted) |  | 32619480 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2024-11-22): Seller acknowledges the exception, no change to grading. |  |  | 11/22/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 31 | (redacted) |  | 32619481 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 31 | (redacted) |  | 32619482 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 | (redacted) |  | 32619485 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and [redacted]: [redacted] Disclosure not provided to the Borrower. |  |  |  |  | Buyer Comment (2024-11-21): Seller accepts with no change in grading |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 | (redacted) |  | 32619486 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 33 | (redacted) |  | 32619498 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 33 | (redacted) |  | 32619499 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 34 | (redacted) |  | 32619503 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 34 | (redacted) |  | 32619504 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NY | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 35 | (redacted) |  | 32619534 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 35 | (redacted) |  | 32619535 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 36 | (redacted) |  | 32619540 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 36 | (redacted) |  | 32619541 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 37 | (redacted) |  | 32619548 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 37 | (redacted) |  | 32619549 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 38 | (redacted) |  | 32619580 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 38 | (redacted) |  | 32619581 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 39 | (redacted) |  | 32619614 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 40 | (redacted) |  | 32619629 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 40 | (redacted) |  | 32619631 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-[redacted] declaration of disaster end date. | Per the FEMA disaster website, this [redacted] disaster [redacted]-[redacted]-[redacted] began on [redacted], was declared on [redacted] and ended on [redacted] Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional [redacted] is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-22): Per the [redacted] disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional [redacted] is not required per client guides. |  |  | 11/22/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 41 | (redacted) |  | 32619671 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 41 | (redacted) |  | 32619672 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | OH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 42 | (redacted) |  | 32619674 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 | (redacted) |  | 32619675 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 43 | (redacted) |  | 32619679 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 43 | (redacted) |  | 32619680 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 43 | (redacted) |  | 32619682 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: [redacted] Policy not provided |  | The subject is located in a [redacted] project. The file is missing the [redacted] policy. |  |  |  | Reviewer Comment (2024-11-26): Received the Master insurance policy, Exception cleared .<br>Buyer Comment (2024-11-26): please see attached | 11/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 44 | (redacted) |  | 32619697 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 44 | (redacted) |  | 32619698 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | IA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 45 | (redacted) |  | 32619762 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 45 | (redacted) |  | 32619763 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 46 | (redacted) |  | 32619799 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 46 | (redacted) |  | 32619800 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 47 | (redacted) |  | 32619832 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 47 | (redacted) |  | 32619833 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 48 | (redacted) |  | 32619856 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 48 | (redacted) |  | 32619857 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A | D | D | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 48 | (redacted) |  | 32619862 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [redacted] Constitution Section [redacted]: Final itemized disclosure of [redacted], [redacted], [redacted] and charges not provided to borrower at least [redacted] prior to closing without a [redacted]. |  |  |  |  | Reviewer Comment (2024-12-05): The final itemized disclosure of fees was provided to the borrowers on [redacted], which is [redacted] business day prior to closing on [redacted].<br>Reviewer Comment (2024-12-05): Date corrected.<br>Reviewer Comment (2024-12-05): The final itemized disclosure of fees was provided to the borrowers on [redacted], which is [redacted] day prior to closing on [redacted]. | 12/05/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | D | A | A | C | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 49 | (redacted) |  | 32619869 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 49 | (redacted) |  | 32619870 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 49 | (redacted) |  | 32619872 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2024-11-25): Seller acknowledges exception, no change to grading. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 50 | (redacted) |  | 32619898 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 50 | (redacted) |  | 32619899 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 51 | (redacted) |  | 32619905 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 51 | (redacted) |  | 32619906 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 52 | (redacted) |  | 32619968 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 52 | (redacted) |  | 32619969 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 53 | (redacted) |  | 32619975 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 53 | (redacted) |  | 32619976 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 54 | (redacted) |  | 32620029 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 54 | (redacted) |  | 32620030 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 55 | (redacted) |  | 32620057 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 55 | (redacted) |  | 32620058 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 56 | (redacted) |  | 32620070 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 56 | (redacted) |  | 32620071 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 57 | (redacted) |  | 32620090 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 57 | (redacted) |  | 32620091 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 58 | (redacted) |  | 32620103 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 58 | (redacted) |  | 32620104 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 59 | (redacted) |  | 32620115 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 59 | (redacted) |  | 32620116 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 60 | (redacted) |  | 32620145 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 60 | (redacted) |  | 32620146 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 | (redacted) |  | 32620172 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 | (redacted) |  | 32620173 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 | (redacted) |  | 32620178 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | [redacted] Docs Missing: |  | The [redacted] in file for the borrower is incomplete. Please provide completed [redacted] for review. |  |  |  | Reviewer Comment (2024-11-26): Received the Complete [redacted] with Source used to obtain [redacted], Exception cleared.<br>Buyer Comment (2024-11-26): Please see attached | 11/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 62 | (redacted) |  | 32620181 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted] [redacted] used in lieu of [redacted], pursuant to [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges the exception. This exception is for informational purposes only and does not impact grading. |  |  | 11/22/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 62 | (redacted) |  | 32620187 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 62 | (redacted) |  | 32620188 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 63 | (redacted) |  | 32620239 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 63 | (redacted) |  | 32620240 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 64 | (redacted) |  | 32620252 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Issue: The most recent valuation inspection is dated prior to the most recent [redacted]. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-25): [redacted] was completed after the incident start date and reflects no damages. [redacted] meets [redacted] guidelines. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 64 | (redacted) |  | 32620254 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 64 | (redacted) |  | 32620255 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 65 | (redacted) |  | 32620262 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 65 | (redacted) |  | 32620263 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 66 | (redacted) |  | 32620313 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | KY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 67 | (redacted) |  | 32620324 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 67 | (redacted) |  | 32620325 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for [redacted] purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 68 | (redacted) |  | 32620365 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 68 | (redacted) |  | 32620366 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 69 | (redacted) |  | 32620394 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | KS | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 69 | (redacted) |  | 32620395 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | KS | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 70 | (redacted) |  | 32620430 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 71 | (redacted) |  | 32620459 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 71 | (redacted) |  | 32620460 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 72 | (redacted) |  | 32620473 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 72 | (redacted) |  | 32620474 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 73 | (redacted) |  | 32620499 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 | (redacted) |  | 32620500 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 | (redacted) |  | 32620503 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 | (redacted) |  | 32620504 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 75 | (redacted) |  | 32620542 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 75 | (redacted) |  | 32620543 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 | (redacted) |  | 32620547 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 | (redacted) |  | 32620548 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 77 | (redacted) |  | 32620551 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OK | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 77 | (redacted) |  | 32620552 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OK | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 77 | (redacted) |  | 32620555 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-26): Seller acknowledges exception, no change to grading. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 78 | (redacted) |  | 32620570 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 78 | (redacted) |  | 32620571 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 79 | (redacted) |  | 32620596 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 79 | (redacted) |  | 32620597 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A | D | D | D | D |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 80 | (redacted) |  | 32620616 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 80 | (redacted) |  | 32620617 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 81 | (redacted) |  | 32620622 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 81 | (redacted) |  | 32620623 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 82 | (redacted) |  | 32620670 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 82 | (redacted) |  | 32620671 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 83 | (redacted) |  | 32620694 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 83 | (redacted) |  | 32620695 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 84 | (redacted) |  | 32620704 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CT | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 84 | (redacted) |  | 32620705 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CT | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 85 | (redacted) |  | 32620727 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 85 | (redacted) |  | 32620728 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 86 | (redacted) |  | 32620738 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 86 | (redacted) |  | 32620739 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 87 | (redacted) |  | 32620743 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 87 | (redacted) |  | 32620744 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 88 | (redacted) |  | 32620751 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 88 | (redacted) |  | 32620752 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 88 | (redacted) |  | 32620754 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Per the [redacted] disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional [redacted] is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-25): Per the FEMA disaster website, this [redacted] disaster [redacted] began on [redacted] , was declared on [redacted] and ended on [redacted] . Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 89 | (redacted) |  | 32620770 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 89 | (redacted) |  | 32620771 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 90 | (redacted) |  | 32620795 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 90 | (redacted) |  | 32620796 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 90 | (redacted) |  | 32620797 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] of disaster end date. | Property inspected post disaster but [redacted] of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-26): PDI received after the incident start date reflects no damages. Inspection meets client's guidelines. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 91 | (redacted) |  | 32620799 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 91 | (redacted) |  | 32620800 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 | (redacted) |  | 32620897 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 92 | (redacted) |  | 32620898 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32620956 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted] Day [redacted] has been discontinued effective [redacted]. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | AR | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32620958 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AR | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32620959 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AR | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 94 | (redacted) |  | 32620970 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 94 | (redacted) |  | 32620971 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 95 | (redacted) |  | 32620997 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 95 | (redacted) |  | 32620998 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 95 | (redacted) |  | 32621001 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | [redacted] Constitution Section [redacted]: [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is [redacted] described under [redacted]. Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | Buyer Comment (2024-11-25): Seller acknowledges the exception, no change to grading. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 95 | (redacted) |  | 32621002 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Documentation in file indicates the borrower has been at the subject property for [redacted] years. The mortgage history on the credit report is only reporting for [redacted] months [redacted] [redacted] months as required per guidelines. Please provide additional pay history or clarification/documentation to verify the borrower was not on the prior mortgage(s) as it appears she may have recently acquired the property due to a divorce. |  |  |  | Reviewer Comment (2024-11-25): The borrower recently divorced. She obtained the marital home in the divorce. Current mortgage history is only reflecting [redacted] months as the prior mortgage was in the name of the ex-spouse only. Divorce Decree has been provided. Exception cleared.<br>Buyer Comment (2024-11-25): Please see the attached for the clients divorce decree. Property was recently acquired following said divorce, all applicable and required mortgage history is reflected on the clients credit report. | 11/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 95 | (redacted) |  | 32621003 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted] Constitution Section [redacted]: [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. | Please provide evidence the borrower was provided with the final/most recent loan application at least [redacted] business day prior to closing. |  |  |  | Reviewer Comment (2024-11-25): E-sign summary evidences the borrower was provided with a copy of the final loan application on [redacted]. Exception cleared.<br>Buyer Comment (2024-11-25): Please see the attached from our LOS online documents portal. Client was provided with a copy of the final [redacted] on [redacted]. | 11/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 96 | (redacted) |  | 32621039 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 96 | (redacted) |  | 32621040 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 97 | (redacted) |  | 32621063 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] of disaster end date. | Property inspected post disaster but [redacted] of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator | Reviewer Comment (2024-11-26): Appraisal was preformed on [redacted] after disaster. No Damage. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 97 | (redacted) |  | 32621064 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 98 | (redacted) |  | 32621069 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 | (redacted) |  | 32621070 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 99 | (redacted) |  | 32621099 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] [redacted] business days from transaction date of [redacted] [redacted]. |  |  |  |  | Reviewer Comment (2024-12-11): LOE, proof of delivery, and [redacted] RTC provided. New rescission period has passed, exception cured.<br>Buyer Comment (2024-12-10): Please see attached, Re-opened ROR packet with tracking information, LOE.<br>Reviewer Comment (2024-11-29): The borrowers signed the RTC dated [redacted] on [redacted] and [redacted]. The RTC they signed stated their right of rescission was only until [redacted]. This does not give them the [redacted]-day rescission period required. Exception remains.<br>Buyer Comment (2024-11-27): Please see page [redacted]. The loan did not disburse on [redacted]. The closing ledger confirms the loan did not disburse until [redacted]. |  | 12/11/2024 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| (redacted) | 99 | (redacted) |  | 32621100 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2024-12-11): LOE, proof of delivery, and [redacted] RTC provided. New rescission period has passed, exception cured.<br>Buyer Comment (2024-12-10): Please see attached, Re-opened ROR packet with tracking information, LOE.<br>Reviewer Comment (2024-11-29): The borrowers signed the RTC dated [redacted] on [redacted] and [redacted]. The RTC they signed stated their right of rescission was only until [redacted]. This does not give them the [redacted]-day rescission period required. Exception remains. |  | 12/11/2024 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| (redacted) | 99 | (redacted) |  | 32621101 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| (redacted) | 99 | (redacted) |  | 32621102 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| (redacted) | 100 | (redacted) |  | 32621149 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 100 | (redacted) |  | 32621150 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 101 | (redacted) |  | 32621183 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VT | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 101 | (redacted) |  | 32621184 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | VT | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 102 | (redacted) |  | 32621245 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 102 | (redacted) |  | 32621246 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 103 | (redacted) |  | 32621267 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 103 | (redacted) |  | 32621268 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 104 | (redacted) |  | 32621271 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 104 | (redacted) |  | 32621272 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 105 | (redacted) |  | 32621297 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MT | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 105 | (redacted) |  | 32621298 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MT | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 106 | (redacted) |  | 32621367 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | C | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 106 | (redacted) |  | 32621368 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | C | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 106 | (redacted) |  | 32621369 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-29): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines.<br>Buyer Comment (2024-11-27): Please be advised the disaster inspection completed after the incident start date is sufficient to confirm there is no damage to the property. |  |  | 11/29/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | C | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 107 | (redacted) |  | 32621372 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 107 | (redacted) |  | 32621373 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 108 | (redacted) |  | 32621379 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 108 | (redacted) |  | 32621380 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 109 | (redacted) |  | 32621423 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 109 | (redacted) |  | 32621424 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | TN | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 110 | (redacted) |  | 32621443 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 110 | (redacted) |  | 32621444 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 111 | (redacted) |  | 32621520 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 111 | (redacted) |  | 32621521 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 112 | (redacted) |  | 32621531 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 112 | (redacted) |  | 32621532 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 113 | (redacted) |  | 32621639 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/03/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 113 | (redacted) |  | 32621640 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 114 | (redacted) |  | 32621704 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 114 | (redacted) |  | 32621705 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 115 | (redacted) |  | 32621707 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 115 | (redacted) |  | 32621708 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 116 | (redacted) |  | 32621721 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 116 | (redacted) |  | 32621722 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | WI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 117 | (redacted) |  | 32621731 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 117 | (redacted) |  | 32621732 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 118 | (redacted) |  | 32621744 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 118 | (redacted) |  | 32621745 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 119 | (redacted) |  | 32621764 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 119 | (redacted) |  | 32621765 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 120 | (redacted) |  | 32621775 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 120 | (redacted) |  | 32621776 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 120 | (redacted) |  | 32621778 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator | Reviewer Comment (2024-11-26): PDI inspected on [redacted] . No Damage. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 121 | (redacted) |  | 32621839 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missimg a copy of secondary valuation report required for securitization purpose. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 121 | (redacted) |  | 32621840 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 122 | (redacted) |  | 32621856 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 122 | (redacted) |  | 32621857 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 123 | (redacted) |  | 32621881 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 123 | (redacted) |  | 32621882 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 124 | (redacted) |  | 32621920 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-12-02): [redacted]acknowledges exception, no change to grading. |  |  | 12/02/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 124 | (redacted) |  | 32621921 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 124 | (redacted) |  | 32621922 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 125 | (redacted) |  | 32621931 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 125 | (redacted) |  | 32621932 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 126 | (redacted) |  | 32621958 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 126 | (redacted) |  | 32621959 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | OH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 127 | (redacted) |  | 32621977 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 127 | (redacted) |  | 32621978 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 127 | (redacted) |  | 32621981 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: [redacted]not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-12-02): Seller acknowledges exception, no change to grading. |  |  | 12/02/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 127 | (redacted) |  | 32621982 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-12-02): Seller acknowledges exception, no change to grading. |  |  | 12/02/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 128 | (redacted) |  | 32621988 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 128 | (redacted) |  | 32621989 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 129 | (redacted) |  | 32621996 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | RI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 129 | (redacted) |  | 32621997 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | RI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 130 | (redacted) |  | 32622017 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 130 | (redacted) |  | 32622018 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 131 | (redacted) |  | 32622025 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 131 | (redacted) |  | 32622026 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 132 | (redacted) |  | 32622030 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 132 | (redacted) |  | 32622031 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 133 | (redacted) |  | 32622047 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 133 | (redacted) |  | 32622048 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 134 | (redacted) |  | 32622071 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day RNY has been discontinued effective [redacted]. Average Prime Offer Rate (APOR) used in lieu of RNY effective [redacted], pursuant to [ [redacted]guidance. |  |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges the exception. This exception is for informational purposes only and does not impact grading. |  |  | 12/05/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 134 | (redacted) |  | 32622072 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 134 | (redacted) |  | 32622073 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 134 | (redacted) |  | 32622075 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The subject property is located in a [redacted]disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator | Reviewer Comment (2024-12-05): PDI inspected on [redacted] . No Damage. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 135 | (redacted) |  | 32622086 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 135 | (redacted) |  | 32622087 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the supporting secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 136 | (redacted) |  | 32622118 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 136 | (redacted) |  | 32622119 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/03/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 136 | (redacted) |  | 32622120 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | [redacted]Docs Missing: |  | The file is missing the [redacted]most recent paystub. Please provide for review and upon receipt, additional conditions may apply. |  |  |  | Reviewer Comment (2024-12-05): Provided recent paystubs: Exception Cleared.<br>Buyer Comment (2024-12-05): Pleases see the attached paystub used to qualify. | 12/05/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 136 | (redacted) |  | 32622122 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: [redacted] was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted]form was used, the [redacted]form should have been used. |  |  |  |  | Buyer Comment (2024-12-05): Seller acknowledges exception, no change to grading. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D | C | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 137 | (redacted) |  | 32622136 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 137 | (redacted) |  | 32622137 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 138 | (redacted) |  | 32622141 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 138 | (redacted) |  | 32622142 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 139 | (redacted) |  | 32622146 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | DE | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 139 | (redacted) |  | 32622147 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  | [redacted]commented in the cost approach section that is it typical for land values to exceed [redacted]% of the overall property value. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | DE | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 139 | (redacted) |  | 32622148 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | DE | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 140 | (redacted) |  | 32622161 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Per the FEMA disaster website, this [redacted] disaster DR-[redacted]-[redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Per the [redacted] disaster website, this [redacted] disaster [redacted] - [redacted] began on [redacted] was declared on [redacted] and ended on [redacted] . Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 140 | (redacted) |  | 32622162 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 140 | (redacted) |  | 32622163 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 141 | (redacted) |  | 32622173 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day RNY has been discontinued effective [redacted]. Average Prime Offer Rate (APOR) used in lieu of RNY effective [redacted], pursuant to [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, no change to grading. |  |  | 12/05/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 141 | (redacted) |  | 32622175 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The subject property is located in a [redacted]disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Per the FEMA disaster website, this [redacted] disaster DR-[redacted]-[redacted] began on [redacted], was declared on [redacted] and ended on [redacted] Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Per the [redacted] disaster website, this [redacted] disaster DR-[redacted] - [redacted] began on [redacted] , was declared on [redacted] and ended on [redacted] . Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 141 | (redacted) |  | 32622176 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 141 | (redacted) |  | 32622177 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 142 | (redacted) |  | 32622186 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 142 | (redacted) |  | 32622187 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 143 | (redacted) |  | 32622253 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 143 | (redacted) |  | 32622255 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing supporting secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 144 | (redacted) |  | 32622287 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Second Home | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 144 | (redacted) |  | 32622288 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Second Home | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 145 | (redacted) |  | 32622335 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 145 | (redacted) |  | 32622336 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 146 | (redacted) |  | 32622344 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 146 | (redacted) |  | 32622345 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 146 | (redacted) |  | 32622346 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Per the FEMA disaster website, this [redacted] disaster DR-[redacted] began on[redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Per the [redacted] disaster website, this [redacted] disaster DR-[redacted] - [redacted] began on [redacted] , was declared on [redacted] and ended on [redacted] Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 147 | (redacted) |  | 32622402 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 147 | (redacted) |  | 32622403 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/03/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 148 | (redacted) |  | 32622406 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 148 | (redacted) |  | 32622407 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 149 | (redacted) |  | 32622424 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 149 | (redacted) |  | 32622425 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 149 | (redacted) |  | 32622427 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Per the[redacted] disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on[redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional [redacted] is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Per the [redacted]disaster website, this [redacted] disaster [redacted] [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 150 | (redacted) |  | 32622437 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 150 | (redacted) |  | 32622438 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/03/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 150 | (redacted) |  | 32622440 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Address associated to the borrower and co-borrower on [redacted] per the borrower's [redacted]and award letters as well as the co-borrower's [redacted] W2's and paystubs provided, however, this address was not disclosed at the time of application. Documentation as to the [redacted] ownership in this property is required. Please provide for review. |  |  |  | Reviewer Comment (2024-12-09): Upon further review, this exception is being cleared.<br>Buyer Comment (2024-12-09): Please be advised the guideline is to document the address/residence history, an LOX to determine why they did not change their mailing address is not a guideline requirement.<br>Reviewer Comment (2024-12-09): Received documentation to verify the [redacted] property was sold in [redacted]and the Final [redacted]'s disclosed the borrowers have lived at [redacted] for the past [redacted]years. Please provide a letter from the borrowers (can be dated post-closing) to explain why the address on all [redacted]and [redacted]income documentation (paystubs, [redacted]s, retirement income award letters and [redacted]) in the file still reflects the [redacted] address when the property was sold in [redacted].<br>Buyer Comment (2024-12-05): Please see attached evidence that borrower's sold this non-subject property in [redacted]. | 12/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 151 | (redacted) |  | 32622447 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 151 | (redacted) |  | 32622448 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 152 | (redacted) |  | 32622508 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 152 | (redacted) |  | 32622509 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 153 | (redacted) |  | 32622512 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 153 | (redacted) |  | 32622513 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | OR | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 154 | (redacted) |  | 32622521 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 154 | (redacted) |  | 32622522 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 155 | (redacted) |  | 32622545 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 155 | (redacted) |  | 32622546 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 156 | (redacted) |  | 32622596 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 156 | (redacted) |  | 32622597 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 156 | (redacted) |  | 32622599 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: [redacted] Benefit Disclosure not provided to the Borrower. |  |  |  |  | Buyer Comment (2024-12-03): Seller acknowledges exception, no change to grading. |  |  | 12/03/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 157 | (redacted) |  | 32622605 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 157 | (redacted) |  | 32622606 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 158 | (redacted) |  | 32622609 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/03/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OK | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 158 | (redacted) |  | 32622610 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | OK | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 159 | (redacted) |  | 32622680 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 159 | (redacted) |  | 32622681 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 159 | (redacted) |  | 32622682 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted]declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Inspection completed after the[redacted] reflects no damages. [redacted] meets client guidelines. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 160 | (redacted) |  | 32622816 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 160 | (redacted) |  | 32622817 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 161 | (redacted) |  | 32622911 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 161 | (redacted) |  | 32622912 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 162 | (redacted) |  | 32622914 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief.[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 162 | (redacted) |  | 32622915 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 163 | (redacted) |  | 32622931 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/03/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 163 | (redacted) |  | 32622932 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] The supporting secondary valuation is missing.[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 164 | (redacted) |  | 32622954 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 164 | (redacted) |  | 32622955 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/03/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 165 | (redacted) |  | 32706919 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 165 | (redacted) |  | 32706920 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 166 | (redacted) |  | 32706931 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 166 | (redacted) |  | 32706932 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 167 | (redacted) |  | 32706966 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 167 | (redacted) |  | 32706967 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 168 | (redacted) |  | 32706978 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 168 | (redacted) |  | 32706979 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 169 | (redacted) |  | 32706992 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 169 | (redacted) |  | 32706993 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 169 | (redacted) |  | 32706995 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the co-borrower's documentation for pension income. The file did contain 1099-R. However the 1099-R was blank. Please provide for review. |  |  |  | Reviewer Comment (2024-12-09): Received Form 1099-R for pension income. Exception cleared.<br>Buyer Comment (2024-12-09): Please see attached 1099 | 12/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 171 | (redacted) |  | 33747576 |  |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert provided reflects incomplete property address. Corrected flood cert required with complete property address as [redacted] |  |  |  | Reviewer Comment (2025-05-01): Received corrected Flood Cert with correction in address. Exception cleared<br>Buyer Comment (2025-04-29): Corrected flood cert | 05/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Investment | Purchase |  | C | A | C | A | A | A | A | A |  | N/A | No |
| (redacted) | 171 | (redacted) |  | 33747577 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease agreement for Unit [redacted] & Unit [redacted] is required to identify the actual rent along with the assignment of lease to the current borrower. Appraisal used $[redacted] per unit but the Current Rent per Month is less on the Appraisal. |  |  |  | Reviewer Comment (2025-05-15): UW response provided. No additional documentation need for this purchase.<br>Buyer Comment (2025-05-14): UW's Response<br>Reviewer Comment (2025-05-01): Received Unit [redacted] and unit [redacted] Lease agreement, however assignment of lease to the current borrower is missing as lease agreement shows previous owner name. Unit [redacted] Lease expired however month to month clause present in the file. Exception Remains<br>Buyer Comment (2025-04-29): Leases | 05/15/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Investment | Purchase |  | C | A | C | A | A | A | A | A |  | N/A | No |
| (redacted) | 172 | (redacted) |  | 33789103 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Invalid MERS Min Number |  |  |  |  |  | Reviewer Comment (2025-03-24): Cleared.<br>Buyer Comment (2025-03-20): Reclosed package<br>Reviewer Comment (2025-03-18): Opening to add docs.<br>Reviewer Comment (2025-02-26): Document provided, exception cleared.<br>Seller Comment (2025-02-26): attached<br> [redacted]- Mortgage.pdf (Mortgage) was uploaded<br>Reviewer Comment (2025-02-20): Bottom of the Security Instrument reflects and invalid MERS number of [redacted]. Data Entry Proof Sheet reflects correct MERS #. Please provide updated Security Instrument. No documents were received on [redacted].<br>Seller Comment (2025-02-12): attaching revised closing package, please review and provide new findings if any<br> [redacted]([redacted]).pdf (Closing Package) was uploaded | 03/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| (redacted) | 173 | (redacted) |  | 33789104 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary valuation is missing in file. |  |  |  | Reviewer Comment (2025-04-04): Secondary provided<br>Seller Comment (2025-03-31): see attached second appraisal<br>Reviewer Comment (2025-03-03): The [redacted]rd party must state their independent value, appraisal review in file is not sufficient. Also, the report states a formal appraisal review document will be forwarded.<br>Seller Comment (2025-03-03): see attached<br>Reviewer Comment (2025-01-27): The [redacted]rd party must state their independent value, appraisal review in file is not sufficient. Also, the report states a formal appraisal review document will be forwarded.<br>Seller Comment (2025-01-27): review states "s. I tend to concur with the value conclusions contained" is this not sufficient<br>Reviewer Comment (2025-01-23): Loan file must contain an independent value, the [redacted]rd party must state either a new value or that the value presented is confirmed. Exception remains<br>Seller Comment (2025-01-23): THe appraser didn't provide anything further after the review document that was provided<br>Reviewer Comment (2025-01-22): The appraisal review was conducted with Cornerstone Appraisal Group on [redacted] (doc id [redacted]& [redacted]) and the cover letter is stating a formal appraisal review document will be forwarded, file is missing the formal appraisal review document. Exception remains.<br>Seller Comment (2025-01-22): the [redacted]rd page of the review states "I tend to concur with the value conclusions contained"<br>Reviewer Comment (2025-01-21): We need a secondary valuation from a [redacted]rd party source and must state either a new value or that the value presented is confirmed. An appraisal review was conducted with Cornerstone Appraisal Group on [redacted] (doc id [redacted]& [redacted]) and the cover letter is stating a formal appraisal review document will be forwarded, file is missing the formal appraisal review document. Exception remains.<br>Seller Comment (2025-01-16): this is the review.<br>Reviewer Comment (2025-01-16): A secondary valuation was not provided, only the commercial appraisal thats in the file.<br>Seller Comment (2025-01-14): the commercial is the seconday<br>Reviewer Comment (2025-01-13): A secondary valuation was not provided, only the commercial appraisal.<br>Seller Comment (2025-01-09): see attached | 04/04/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | PA | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| (redacted) | 173 | (redacted) |  | 33789106 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing renewed leases for all unit as all leases have expired. |  |  |  | Reviewer Comment (2025-01-21): Confirmed per guidelines, not required, exception cleared.<br>Seller Comment (2025-01-16): this is a purchase transaction so per guide we do not require rent collections.<br>Reviewer Comment (2025-01-16): The lease agreement for apt [redacted] shows month to month term, Per guidelines for leases - [redacted] ([redacted]) months of rent payment verification is required for month-to-month leases. This is missing. The annual rent document is not confirmation of rent receipt.<br>Seller Comment (2025-01-14): the leases didn't indicate they were month to month<br>Reviewer Comment (2025-01-13): Updated the monthly rent, per annual rent document provided. Per guidelines for leases - [redacted] ([redacted]) months of rent payment verification is required for month-to-month leases. This is missing. The annual rent document is not confirmation of rent receipt.<br>Seller Comment (2025-01-09): we were not able to get updated lease from the buyer so we treated each unit with market rents but they had sent us the most recent ledgers and they each matched the tenants on the leases | 01/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| (redacted) | 173 | (redacted) |  | 33789107 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] discrepancy: Please provide details of income and expense calculations used to arrive at the [redacted] as review calculations are based on $[redacted] income and $[redacted] expenses. Unit [redacted] rent $[redacted], Unit [redacted] $[redacted], Unit [redacted] $[redacted], Unit [redacted] [redacted], Unit [redacted] $[redacted], Unit [redacted] $[redacted]. Hazard Policy $[redacted]and Taxes $[redacted] |  |  |  | Reviewer Comment (2025-01-16): [redacted] acceptable by the seller, exception cleared.<br>Seller Comment (2025-01-14): okay this is fine can this be cleared<br>Reviewer Comment (2025-01-13): Updated the monthly rent, per annual rent document provided. The [redacted] updated to [redacted] compared to the tape calculation of [redacted]. The difference if off by [redacted].<br>Seller Comment (2025-01-09): see attached | 01/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Investment | Purchase |  | D | A | C | A |  |  | D | A |  | N/A | No |
| (redacted) | 175 | (redacted) |  | 33789111 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator | Reviewer Comment (2025-04-29): Property inspected post disaster but prior to disaster end date. |  |  | 04/29/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 177 | (redacted) |  | 33816400 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. LE issued on [redacted] and E-sign consent completed by borrower on [redacted]. |  |  |  | Reviewer Comment (2025-05-28): Upon further review, e-sign event is timely.<br>Buyer Comment (2025-05-28): Please cancel e consent is located in the file see D0850 | 05/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Purchase |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| (redacted) | 177 | (redacted) |  | 33816402 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $351.50 exceeds tolerance of $265.00 plus 10% or $291.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |  | 05/27/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| (redacted) | 177 | (redacted) |  | 33816403 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of [redacted] | EV2 informational exception. |  |  |  | Buyer Comment (2025-05-28): Acknowledged non material |  |  | 05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| (redacted) | 1 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 2 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
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| (redacted) | 4 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 5 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 6 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
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| (redacted) | 9 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 10 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 11 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
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| (redacted) | 13 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
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| (redacted) | 17 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 18 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 19 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 20 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 21 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 22 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 23 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
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| (redacted) | 25 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 26 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 27 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 28 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 29 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 30 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 31 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 32 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 33 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 34 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 35 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 36 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 37 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 38 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 39 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 40 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 41 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 42 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 43 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 44 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 45 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 46 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 47 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 48 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 49 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 50 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 51 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 52 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 53 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 54 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 55 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 56 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 57 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 58 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 59 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 60 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 61 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 62 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 63 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 64 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 65 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 66 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 67 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 68 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 69 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 70 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 71 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 72 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 73 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 74 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 75 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 76 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 77 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 78 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 79 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 80 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 81 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 82 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 83 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 84 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 85 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 86 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 87 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 88 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 89 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 90 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 91 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 92 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 93 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 94 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 95 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 96 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 97 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 98 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 99 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 100 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 101 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 102 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 103 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 104 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 105 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 106 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 107 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 108 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 109 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 110 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 111 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 112 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 113 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 114 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 115 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 116 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 117 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 118 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 119 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 120 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 121 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 122 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 123 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 124 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 125 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 126 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 127 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 128 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 129 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 130 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 131 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 132 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 133 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 134 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 135 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 136 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 137 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 138 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 139 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 140 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 141 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 142 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 143 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 144 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 145 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 146 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 147 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 148 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 149 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 150 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 151 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 152 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 153 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 154 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 155 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 156 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 157 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 158 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 159 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 160 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 161 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 162 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 163 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 164 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 165 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 166 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 167 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 168 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 169 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 170 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 171 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 172 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 173 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 174 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 175 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 176 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 177 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

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| ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/1/2025 10:41:14 AM** | **Run Date - 7/1/2025 10:41:14 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation 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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| (redacted) | 1 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 2 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 3 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 4 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 5 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.902% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 6 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 7 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 8 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| (redacted) | 9 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 10 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 11 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 12 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 13 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 14 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| (redacted) | 15 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 16 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 17 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 18 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 19 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 20 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| (redacted) | 21 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -18.484% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 22 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 23 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 24 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 25 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| (redacted) | 26 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -54.286% |  |  | AVM |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 27 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 28 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 29 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 30 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.720% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 31 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 32 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.949% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| (redacted) | 33 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 34 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 35 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 36 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 37 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 38 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 39 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.246% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 40 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 19.024% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 41 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 42 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 43 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 44 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 45 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 46 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 47 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 48 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 49 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 50 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| (redacted) | 51 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| (redacted) | 52 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 53 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| (redacted) | 54 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 55 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 56 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 57 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 58 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| (redacted) | 59 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 60 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 61 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 62 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 63 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 64 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 65 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 66 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.123% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 67 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 68 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 69 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 70 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.393% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 71 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 72 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 73 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 74 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 75 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 76 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 77 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 78 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 79 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 80 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 81 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 82 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 83 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 84 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 85 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 86 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 87 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 88 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 89 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 90 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 91 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 92 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 93 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 94 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 95 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 96 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 97 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.515% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 98 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 99 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 100 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 101 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 102 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 103 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 104 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 105 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 106 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 107 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 108 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 109 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 110 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 111 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 112 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 113 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 114 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 115 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 116 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 117 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 118 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 119 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 120 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 121 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 122 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 123 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 124 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 125 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 126 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 127 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 128 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 129 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 130 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 131 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 132 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 133 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 134 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 135 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 136 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 137 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 138 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 139 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 140 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 141 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 142 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 143 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 144 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 145 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 146 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 147 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 148 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 149 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 150 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 151 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 152 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 153 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 154 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 155 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 156 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 157 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 158 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 159 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 160 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 161 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 162 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 163 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 164 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 165 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 166 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 167 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 168 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 169 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 170 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.438% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 171 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 172 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 173 | (redacted) |  |  |  |  |  |  | 0.637% |  |  |  | Appraisal |  |  |  |  |  |  | 0.892% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.892% |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 174 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| (redacted) | 175 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.581% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 176 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 177 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

Consolidated Analytics, Inc. <br> Form ABS Due Diligence 15-E

BARC 2025-NQM4

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED**

**SECURITIES**

**Item 1: Identity of the person providing third-party due diligence services**

Legal Name: Consolidated Analytics, Inc.

Business Name (If Different):

Principal Business Address: 1 MacArthur Place – Suite 100, Santa Ana, CA 92707

**Item 2: Identity of the person who paid the person to provide due diligence services**

Legal Name: Sutton Funding LLC

Business Name (If Different):

Principal Business Address: 745 7th Ave., New York, NY 10019

In connection therewith, Client shall pay to Consolidated Analytics the greater of a fee totaling $2500.00 or $25 per loan, which fee the Client acknowledges and agrees shall be paid concurrently with the funding of the transaction in connection with which this letter is being delivered.

**Item 3: Credit rating criteria**

The third-party due diligence services are intended to generally comply with currently known rating agency criteria for newly originated mortgage loans, including S&P Global Ratings criteria:

Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019, and Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025

and Kroll Bond Rating Agency, LLC criteria:

RMBS: U.S. RMBS Rating Methodology, Dec. 7, 2023

**Item 4: Description of the due diligence performed**

See Attachment A.

**Item 5: Summary of findings and conclusions of review**

See Attachment B.

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects.

Consolidated Analytics, Inc.

---

| | |
|:---|:---|
| By: | ![](ex99-2_002.jpg) |
| Date: | 7/2/2025 |

---

**Attachment A**

**Item 4: Description of the due diligence performed**

BARC 2025-NQM4

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

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Sutton Funding LLC through a bulk purchase. The Review was conducted from September 2024 through June 2025 on mortgage loans originated between September 2024 and May 2025.

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

The Review consisted of a sample population of 136 loans with an aggregate principal balance of $59,978,900.00.

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

The sample population was determined and provided by Consolidated Analytics' client (as identified by Item 2). The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations S&P Global Ratings, and Kroll Bond Rating Agency, LLC, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. Consolidated Analytics 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.

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;Original Appraised Value |
| &nbsp;&nbsp;Rate Lock Date | &nbsp;&nbsp;Original PI Payment | &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Orig Front End DTI | &nbsp;&nbsp;Original Note Rate | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Orig Back End DTI | &nbsp;&nbsp;Property Address | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;UW FICO Utilized |
| &nbsp;&nbsp;AUS Type | &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;All Borrower Total Income |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Reserves |
| &nbsp;&nbsp;Original HOA Payment | &nbsp;&nbsp;Application Date | &nbsp;&nbsp;Months Reserves |
| &nbsp;&nbsp;As-is Value | &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;Citizenship | &nbsp;&nbsp;T&I Payment |
| &nbsp;&nbsp;Cashout (Incl. Debt Paid at Close) | &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;Prepayment Penalty Flag |  |

---

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

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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate borrower(s) monthly
gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate funds required to close,
required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review file documentation for
required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate all concurrent loans are included in the DTI to properly
assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate subject loan monthly payment (PITI) and associated
obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate debt-to-income ratio
(DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Documentation meets Appendix
Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review credit report for credit
history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Determine representative credit
score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Validation through third party resource of the subject properties
most recent twelve (12) month sales history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. Confirm sufficient evidence in loan file, by reviewing the underwriter's
decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to
repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Review condominium questionnaire to verify all information is
complete, prepared by an authorized representative, and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Pricing Thresholds:

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consider Income and Assets:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Verification of Income and Assets:

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;1. 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

&nbsp;&nbsp;&nbsp;&nbsp;2. Review appraisal, determination that property is
completely constructed and appraisal is on an "as is basis," or property is identified as not completely constructed by originating
appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;3. Review and determine if the appraisal report was
performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms to
USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;4. Review and determine the relevance of the comparable
properties and ensure that a rational and reliable value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;5. Review adjustments (line item, net and gross adjustments) to ensure they
are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;6. Ensure that the appraisal conforms to the guidelines provided from the
Client

&nbsp;&nbsp;&nbsp;&nbsp;7. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;8. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;9. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;10. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;11. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;12. Where applicable, determine if the file did not
contain the appraisal or other valuation method and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;13. Additional valuation products were not required
when the CU score provided was 2.5 or below or the appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
event the CU score was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional valuation product was obtained
to confirm value was supported within 10% tolerance. In some instances, based on guidance from the seller, CDA's were ordered on
loans that had an acceptable CU score or R&W eligibility.

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

For loans reviewed in a post-close valuation review scenario (136 loans in total):

Two (2) loans had a Secondary Appraisal, zero (0) loans had AVMs, and sixty-nine (69) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Two (2) loans had a Field Review or BPO, and one (1) loan had a Full Appraisal Review, all of which supported value. **Product totals may not sum due to multiple products for each loan**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

****<br> Not applicable.

**Attachment B**

**Item 5: Summary of findings and conclusions of review**

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results: (DBRS, KBRA, S&P)** | &nbsp;&nbsp;**Overall Loan Results: (DBRS, KBRA, S&P)** | &nbsp;&nbsp;**Overall Loan Results: (DBRS, KBRA, S&P)** | |
| &nbsp;&nbsp;Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| &nbsp;&nbsp;Event Grade A | 92 | $38395400.00 | 67.65% |
| &nbsp;&nbsp;Event Grade B | 44 | $21583500.00 | 32.35% |
| &nbsp;&nbsp;Event Grade C | 0 | $0.00 | 0% |
| &nbsp;&nbsp;Event Grade D | 0 | $0.00 | 0% |
| &nbsp;&nbsp;**Total Sample** | 136 | $59978900.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results: (DBRS, KBRA, S&P)** | &nbsp;&nbsp;**Credit Results: (DBRS, KBRA, S&P)** | &nbsp;&nbsp;**Credit Results: (DBRS, KBRA, S&P)** |
| &nbsp;&nbsp;Event Grade | Loan Count | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | 100 | 73.53% |
| &nbsp;&nbsp;Event Grade B | 36 | 26.47% |
| &nbsp;&nbsp;Event Grade C | 0 | 0% |
| &nbsp;&nbsp;Event Grade D | 0 | 0% |
| &nbsp;&nbsp;**Total Sample** | 136 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results: (As applicable, 7 loans within population did not receive a Compliance Review)** | &nbsp;&nbsp;**Compliance Results: (As applicable, 7 loans within population did not receive a Compliance Review)** | &nbsp;&nbsp;**Compliance Results: (As applicable, 7 loans within population did not receive a Compliance Review)** |
| &nbsp;&nbsp;Event Grade | Loan Count | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | 125 | 96.90% |
| &nbsp;&nbsp;Event Grade B | 4 | 3.10% |
| &nbsp;&nbsp;Event Grade C | 0 | 0% |
| &nbsp;&nbsp;Event Grade D | 0 | 0% |
| &nbsp;&nbsp;**Total Sample** | 129 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | Loan Count | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | 130 | 95.59% |
| &nbsp;&nbsp;Event Grade B | 6 | 4.41% |
| &nbsp;&nbsp;Event Grade C | 0 | 0% |
| &nbsp;&nbsp;Event Grade D | 0 | 0% |
| &nbsp;&nbsp;**Total Sample** | 136 | 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 <br> Type | Exception <br> Level <br> Grade | Exception Category | Total |
| Credit | A | All Interested Parties Not Checked with Exclusionary Lists | 63 |
| Credit | A | No Credit Findings | 37 |
| Credit | A | Housing History Does Not Meet Guideline Requirements | 12 |
| Credit | A | Property Title Issue | 9 |
| Credit | A | Asset Qualification Does Not Meet Guideline Requirements | 9 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 7 |
| Credit | A | Rent Loss Insurance Missing | 6 |
| Credit | A | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | 5 |
| Credit | A | Audited HCLTV Exceeds Guideline HCLTV | 3 |
| Credit | A | Approval/Underwriting Summary Partially Provided | 3 |
| Credit | A | Missing Letter of Explanation (Credit) | 3 |
| Credit | A | Audited CLTV Exceeds Guideline CLTV | 3 |
| Credit | A | Audited DTI Exceeds Guideline DTI | 3 |
| Credit | A | Audited LTV Exceeds Guideline LTV | 3 |
| Credit | A | Asset Documents are Incomplete | 2 |
| Credit | A | Missing Lease Agreement | 2 |
| Credit | A | Missing income documentation | 2 |
| Credit | A | OFAC Check Not Completed and/or Cleared | 2 |

---

---

| | |
|:---|:---|
| Asset 2 Does Not Meet Guideline <br> Requirements | 2 |
| DSCR is less than guideline minimum | 2 |
| No Findings | 2 |
| Borrower 1 3rd Party VOE Prior to Close Missing | 2 |
| Rent Loss Coverage Not Sufficient | 2 |
| Asset 3 Does Not Meet Guideline <br> Requirements | 2 |
| Missing Letter of Explanation (Assets) | 1 |
| Missing evidence of self employment | 1 |
| Borrower 1 Deed of Trust Signature does not match Note | 1 |
| Title Coverage is Less than Subject Lien | 1 |
| Asset 8 Does Not Meet Guideline <br> Requirements | 1 |
| Asset 2 Missing | 1 |
| Missing rent comparable schedule form 1007 | 1 |
| Asset 3 Missing | 1 |
| Approval/Underwriting Summary Not Provided | 1 |
| ATR Risk | 1 |
| Missing Income - Bank Statements | 1 |
| Hazard insurance dwelling coverage is not sufficient | 1 |
| Borrower 1 Citizenship Documentation not provided | 1 |
| HO6 Insurance Policy Effective Date is after the Note Date | 1 |
| Borrower 1 Credit Report is Missing | 1 |
| ATR: Reasonable Income or Assets Not Considered | 1 |
| Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 1 |
| Income 1 Months Income Verified is Missing | 1 |
| Borrower 1 Paystubs Missing | 1 |
| Asset 1 Does Not Meet Guideline <br> Requirements | 1 |
| The Deed of Trust is Missing | 1 |
| Missing Business Entity Formation Document | 1 |
| Delinquent Credit History Does Not Meet Guideline Requirements | 1 |
| Borrower 1 Photo Identification not provided | 1 |
| Third Party Fraud Report Partially Provided | 1 |
| Borrower 2 3rd Party VOE Prior to Close Missing | 1 |
| Tradelines do not meet Guideline Requirements | 1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | Borrower Non-US Citizen Identification Document Missing | 1 |
| | | 1-4 Family Rider is Missing | 1 |
| | | Borrower residency documentation not provided or issue with documentation | 1 |
|  |  | ***Total Credit Grade (A) Exceptions:*** | ***216*** |
|  | B | Audited LTV Exceeds Guideline LTV | 16 |
|  | B | Audited CLTV Exceeds Guideline CLTV | 15 |
|  | B | Audited HCLTV Exceeds Guideline HCLTV | 15 |
|  | B | Housing History Does Not Meet Guideline Requirements | 5 |
|  | B | Income and Employment Do Not Meet Guidelines | 4 |
|  | B | DSCR is less than guideline minimum | 2 |
|  | B | Audited Loan Amount is less than Guideline Minimum Loan Amount | 2 |
|  | B | Asset Documents are Incomplete | 2 |
|  | B | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 2 |
|  | B | Audited Loan Amount is greater than Guideline Maximum Loan Amount | 1 |
|  | B | Excessive LTV Ratio | 1 |
|  | B | Missing VOM or VOR | 1 |
|  | B | Asset 4 Does Not Meet Guideline <br> Requirements | 1 |
|  | B | Guideline Seasoning not Met | 1 |
|  | B | Borrower residency documentation not provided or issue with documentation | 1 |
|  | B | Missing Business Entity Formation Document | 1 |
|  | B | Cash Out Does Not Meet Guideline <br> Requirements | 1 |
|  | B | Asset Qualification Does Not Meet Guideline Requirements | 1 |
|  | B | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | 1 |
|  | B | Borrower 2 Paystubs Less Than 1 Month Provided | 1 |
|  | B | Borrower Contributions Do Not Met Guideline Minimum | 1 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | ***75*** |
| Compliance | A | No Compliance Findings | 109 |
| Compliance | A | Higher-Priced Mortgage Loan Test | 12 |
| Compliance | A | eSigned Documents Consent is Missing | 3 |
| Compliance | A | CA AB 260 Higher-Priced Mortgage Loan Test | 3 |
| Compliance | A | Charges That Cannot Increase Test | 3 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 2 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | ARM Disclosure Not Provided Within 3 Days of Application Date | 1 |
| | | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | 1 |
| | | NY Subprime Home Loan Test | 1 |
| | | Missing evidence required disclosure provided at closing | 1 |
| | | Lender Credits That Cannot Decrease Test | 1 |
| | | NC Rate Spread Home Loan Test | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | ***138*** |
|  | B | Missing Credit Score Disclosure (FACTA) | 2 |
|  | B | Charges That Cannot Increase Test | 1 |
|  | B | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | 1 |
|  | B | TILA Finance Charge Test | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | ***5*** |
| Property | A | No Property Findings | 114 |
| Property | A | Property/Appraisal General | 6 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 2 |
| Property | A | Short Term Rental Income - Missing or Defective | 1 |
| Property | A | Condo Approval Missing | 1 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 1 |
| Property | A | HOA Questionnaire is Missing | 1 |
| Property | A | Appraisal is Missing | 1 |
| Property | A | Appraisal is Expired | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***128*** |
| Property | B | Property/Appraisal General | 4 |
| Property | B | Second Appraisal is Missing | 1 |
| Property | B | Ineligible Property | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***6*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred thirty-six (136) mortgage loans reviewed, fourteen (14) unique mortgage loans (10.29% by loan count) had a total of twenty-two (22) different tape discrepancies across thirteen (13) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| &nbsp;&nbsp;Application Date | 3 | 13.64% |
| &nbsp;&nbsp;NON QM Months Reserves | 3 | 13.64% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | 2 | 9.09% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 2 | 9.09% |
| &nbsp;&nbsp;Qualifying FICO | 2 | 9.09% |
| &nbsp;&nbsp;Closing/Settlement Date | 2 | 9.09% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | 2 | 9.09% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | 1 | 4.55% |
| &nbsp;&nbsp;As-Is Value | 1 | 4.55% |
| &nbsp;&nbsp;Qualifying CLTV | 1 | 4.55% |
| &nbsp;&nbsp;Sales Price | 1 | 4.55% |
| &nbsp;&nbsp;Prepayment Penalty Flag | 1 | 4.55% |
| &nbsp;&nbsp;Property Value | 1 | 4.55% |
| &nbsp;&nbsp;**Grand Total** | **22** | **100.00%** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **BARC Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 700000008 | XXXXX | Sales Price | XXX | XXX | Per sales contract |
| 700000104 | XXXXX | Prepayment Penalty Flag | Y | No | Taken from note |
| 700000102 | XXXXX | Qualifying FICO | XXX | XXX | Taken from credit report using lowest middle score |
| 700000102 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Closing Disclosure signed XX/XX/XXXX |
| 700000105 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Taken from signature date on Settlement Statement |
| 700000084 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 700000085 | XXXXX | Property Value | XXX | XXX | vs |
| 700000085 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial vs final loan application |
| 700000085 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Based on verified assets |
| 700000085 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Based on the income and total debt |
| 700000087 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Audit taken from initial XXX |
| 700000087 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Audit taken from asset documents in file |
| 700000087 | XXXXX | Qualifying All Borrower Residual Income | XXX | XXX | Audit taken from monthly income minus all debts |
| 700000078 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 700000080 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | per consumer debt |
| 700000083 | XXXXX | Qualifying CLTV | XXX | XXX | Lender included XXX (XXX) balance as a 2nd lien. Title supplement rpt States the items #XXX-XXX regarding UCC filing of XXX will not be on the final policy. |
| 700000083 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to borrower's income is lower and included solar monthly payment. Lender used XX/XX/XXXX bank Statement for qualification, however said Statement was not provided. |
| 700000091 | XXXXX | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 700000086 | XXXXX | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 700000088 | XXXXX | As-Is Value | XXX | XXX | As is value is $XXX per appraisal. Most recent listing price of $XXXk is used for LTV qualification |
| 700000088 | XXXXX | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 700000129 | XXXXX | Qualifying FICO | XXX | XXX | Lowest of XXX scores reflected on credit report |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **BARC Loan ID** | **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** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 700000003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement company, and underwriter were not checked with Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Borrower entered as second appraiser in error. No 2nd appraisal/appraiser present. Initial appraiser searched. All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The existing subject mortgage is with XXX. A VOM from a private party is not allowed for the subject property. Provide XXX months cancelled checks (front and back) or, copies of the past twelve months bank Statements showing withdrawal. Per GL XXX | XXX Response: An entity created to do business but privately owned, is still considered an institutional lender, same with XXX as we are not publicly owned. The VOM is perfectly acceptable. | 04/25/2025 | Housing History Meets Guideline Requirements; Per guidelines, identifiable third party lender is determined in XXX's sole discretion, therefore, the Housing History Meets Guideline Requirements. Condition cleared.; | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with the Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/25/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows leases for unit XXX and unit XXX end XX/XX/XXXX and XX/XX/XXXX. The photos for unit XXX shows it is vacant. The refinance of a vacant property is in XXX. Per XXX | XXX Response: Subject is still considered occupied even if a single unit is vacant. Removing rent and DSCR still qualifies, uploading updated XXX and ULAW. | 04/25/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant;.; Compliant | 03/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with Exclusionary Lists. | Client provided attached documentation in response. | 05/01/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. The Loan was approved using DSCR program with a minimum DSCR of XXX. A Lender exception to allow DSCR of.XXX is in the file. File requires XXX compensating factors. | Client provided attached documentation in response. | 04/21/2025 | Lender Exception to XXX DSCR approved by XXX.; Document Uploaded. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV/CLTV for a refinance of a manufactured Home is XXX%. | Client provided attached documentation in response. | 04/21/2025 | Lender Exception to XXX% approved by XXX; Document Uploaded. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum LTV/HLTV for a refinance of a manufactured Home is XXX%. | Client provided attached documentation in response. | 04/21/2025 | Lender Exception to XXX% approved by XXX; Document Uploaded. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum LTV/CLTV for a refinance of a manufactured Home is XXX%. | Client provided attached documentation in response. | 04/21/2025 | Lender Exception to XXX% approved by XXX; Document Uploaded. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The subject is an investment property. The borrower owns XXX investment properties. This exceeds XXX, the maximum number of investments properties a borrower may own, whether mortgaged or not. GL's XXX | Client provided attached documentation in response. | 04/21/2025 | Lender Exception for over max number of properties approved by XXX; Document Uploaded. | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant;.; Compliant | 03/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in XXX. The operating agreement shows XXX members; the borrower, XXX and XXX. XXX is being removed from title. Provide a Quit Claim Deed signed by XXX. | XXX Response: This is a function of title, uploading final title. | 04/28/2025 | Property Title Issue Resolved; Document Uploaded. | 05/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Twelve Months Bank Statement Program was used for income. The most recent XXX months Statements are required. Provide XX/XX/XXXX Bank Statement for XXX #XXX, #XXX and #XXX. Per Twelve Months Bank Statement Income Program | XXX Response: The Statements for XX/XX/XXXX are in file to round out the full XXX months, per credit memo dated XX/XX/XXXX, the expiration has been moved to XXX days. | 04/28/2025 | Income and Employment Meet Guidelines; | 05/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser's and appraisal companies were not checked with the exclusionary lists | XXX Response: Uploading updated DataVerify report. | 04/28/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Appraiser XXX and XXX was not searched against Exclusionary Lists. Please provide an updated fraud report confirming 2nd appraiser/appraisal company was searched. Thank you.; Document Uploaded. | 05/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/22/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% There is an approved exception in file to allow a XXX% LTV; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached documentation in response. | 04/22/2025 | Lender Exception to XXX% approved by XXX (see page XXX).; Document Uploaded. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% There is an approved exception in file to allow a XXX% LTV; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached documentation in response. | 04/22/2025 | Lender Exception to XXX% approved by XXX (see page XXX).; Document Uploaded. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% There is an approved exception in file to allow a XXX% LTV; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached documentation in response. | 04/22/2025 | Lender Exception to XXX% approved by XXX (see page XXX).; Document Uploaded. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000006 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/27/2025 | 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000006 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/27/2025 | 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000006 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/27/2025 | 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The IRS EIN document in the file is blurry and the EIN is illegible. Provide a legible copy of the document. | XXX Response: Uploading legible EIN document. | 04/28/2025 | Legible EIN verification provided. Condition cleared.; Document Uploaded. | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A B | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | A letter of explanation from XXX States the borrower lives at XXX. Provide a Statement from the cousin that the borrower lives there rent free and a property report to support the ownership of the property. | XXX Response: Uploading updated approval with this condition removed as it was not a requirement and UW erroneously signed off rather than deleting.; Client provided attached document in response. ; XXX Response: A rent-free letter is not an XXX guidelines requirement, it just needs to show as such on the XXX. | 06/02/2025 | Received an updated final approval showing the condition was removed. LOE was not a requirement and the UW erroneously signed off rather than deleting per XXX. Confirmed - cleared/resolved. ; Document Uploaded. ; The Loan Approval in file indicates a signed LOE from the owner of record was required to verify the Borrower resides at their current residence rent free. Please provide the signed rent free letter that was requested on the loan approval. Thank you. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject mortgage is with XXX, a private party non-institutional lender, originated XX/XX/XXXX. A Verification of Mortgage is in the file. However, a VOM from a private party is not acceptable for the subject property. Provide cancelled checks (front and back) or, if paid by cashiers or postal checks copies; for the period XX/XX/XXXX through XX/XX/XXXX. Per GL's XXX | XXX Response: An entity created to do business but privately owned, is still considered an institutional lender; same with XXX as we are not publicly owned. As such the VOM is perfectly acceptable. | 04/28/2025 | Guidelines indicate a Non-Institutional/identifiable third party can be determined in XXX's sole discretion. Per Lender, they consider XXX as an institutional lender. Housing History Meets Guideline Requirements. Condition cleared.; | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The sellers, relocation company, appraiser, appraisal company, title/escrow agent, processor and underwriter were not checked with the Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/28/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/29/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The $XXX check for earnest money is in the file. Provide a certified escrow deposit receipt. In addition, show proof of funds to close were on deposit with the Escrow / Closing Agent at least three business days (including Saturdays for this calculation) prior to closing. Per GLS XXX | XXX Response: Uploading updated ULAW with comp factors. Uploading proof of funds to close a day prior, though the borrower is an XXX, the funds are from a XXX based bank and was not an international wire or in foreign currency. The guidelines does not apply in this case. | 04/28/2025 | Lender Exception to waive Earnest Money Receipt approved by XXX.; Document Uploaded. | 04/29/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant | 03/31/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant | 03/31/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Lender to provide a lease agreement for each unit of the subject property at XXX. Guideline section Debt Service Coverage Ratio ("DSCR") | Client provided attached documentation in response. | 04/24/2025 | Document uploaded; finding resolved | 04/25/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant | 03/31/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant | 03/31/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000062 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application shows the borrower has lived at the subject for XXX years. However, the subject was purchased XX/XX/XXXX. Provide the previous address with housing payment information. XXX months housing payments must be verified. | XXX Response: Uploading corrected XXX to match earlier version from other XXX loan. Borrower lived at one of his properties and there are no lates reporting. | 04/28/2025 | Housing History Meets Guideline Requirements; Prior residence secured by XXX CTR reporting 0x30 for XXX months and paid in full/closed XX/XX/XXXX. Housing History Meets Guideline Requirements. Condition cleared.; Document Uploaded. | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000062 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with Exclusionary list. | XXX Response: Uploading updated DataVerify report. | 04/28/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000062 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000062 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/25/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The loan application shows XXX is the borrowers primary address with no housing payment. A property report shows the owner is XXX. Provide a letter signed by the owner stating the borrower lives at the property rent free. | XXX Response: A rent free letter is not an XXX guidelines requirement, it just needs to show as such on the XXX. | 04/24/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Rent Free Letter in file on page XXX. Condition Cleared.; | 04/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent and underwriter were not checked with exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/24/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | A CPA letter from XXX owner of XXX is in the file and provide XXX% expense factor. Provide XXX's license verification, from municipal, State or federal licensing boards or proof of their business' existence. Per GL's IX. Acceptable Evidence of XXX Business | Client provided attached document in response. | 04/16/2025 | Document uploaded; finding resolved | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/01/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/01/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: The final application reflects an Earnest Money Deposit of $XXX. The file contains documentation to reflect it was paid; however, the file is missing the receipt of the funds. Lender to provide a copy of the escrow receipt reflecting $XXX received from the borrowers for the Earnest Money Deposit. Guideline section XXX Earnest Money and Deposit | Client provided attached documentation in response. | 04/25/2025 | Document uploaded; finding resolved | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% An approved exception is in file to allow a XXX% LTV, no PPP, waive impounds, XXX% at par, Short Term Rental, with no reserve requirement; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached documentation in response. | 04/25/2025 | Lender Exception to XXX% approved by XXX and XXX.; Document Uploaded. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% An approved exception is in file to allow a XXX% LTV, no PPP, waive impounds, XXX% at par, Short Term Rental, with no reserve requirement; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached documentation in response. | 04/25/2025 | Lender Exception to XXX% approved by XXX and XXX.; Document Uploaded. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% An approved exception is in file to allow a XXX% LTV, no PPP, waive impounds, XXX% at par, Short Term Rental, with no reserve requirement; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached documentation in response. | 04/25/2025 | Lender Exception to XXX% approved by XXX and XXX.; Document Uploaded. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, seller agent, listing agent, and underwriter were not checked with Exclusionary lists. | Client provided attached document in response. | 04/25/2025 | All Interested Parties Checked against Exclusionary Lists. Updated fraud report provided showing all interested parties.; Document Uploaded. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements An $XXX gift letter from the borrower's spouse is in the file. A cashiers check dated XX/XX/XXXX for $XXX made out to the borrower is in the file. Evidence that the gift funds have been transferred from the donor's account to the borrower has not been documented. Provide evidence the $XXX was deposited into the borrowers account. Per GL's XXX Receipt of Gift Funds | Client provided attached document in response. | 04/25/2025 | Asset Qualification Meets Guideline Requirements. Copy of XXX Statement showing funds were removed provided.; Document Uploaded. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Acknowledged | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The limitations to gift funds for investment Properties; applicants will be required to contribute a portion of their own sourced and seasoned funds to the transaction of the larger of XXX% of the purchase price or $XXX. | Client provided attached document in response. | 04/25/2025 | Received updated ULAW : Price match approved XXX% LTV, XXX% at par, 5yr PP, IO loan term, DSCR >.XXX Ok per XXX for XXX% LTV and ok per XXX for XXX% borrower contribution (min is now XXX%) , comp factors, XXX FICO, XXX+ months reserves to cover the monthly DSCR deficit, subject in C3 condition...; Document Uploaded. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HLTV for a purchase DSCR.XXX> Client provided attached document in response. 04/25/2025 Received updated ULAW : Price match approved XXX% LTV, XXX% at par, 5yr PP, IO loan term, DSCR >.XXX Ok per XXX for XXX% LTV and ok per XXX for XXX% borrower contribution (min is now XXX%) , comp factors, XXX FICO, XXX+ months reserves to cover the monthly DSCR deficit, subject in C3 condition...; Document Uploaded. 04/25/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The Maximum LTV for a purchase DSCR.XXX> Client provided attached document in response. 04/25/2025 Received updated ULAW : Price match approved XXX% LTV, XXX% at par, 5yr PP, IO loan term, DSCR >.XXX Ok per XXX for XXX% LTV and ok per XXX for XXX% borrower contribution (min is now XXX%) , comp factors, XXX FICO, XXX+ months reserves to cover the monthly DSCR deficit, subject in C3 condition...; Document Uploaded. 04/25/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV for a purchase DSCR.XXX> Client provided attached document in response. 04/25/2025 Received updated ULAW : Price match approved XXX% LTV, XXX% at par, 5yr PP, IO loan term, DSCR >.XXX Ok per XXX for XXX% LTV and ok per XXX for XXX% borrower contribution (min is now XXX%) , comp factors, XXX FICO, XXX+ months reserves to cover the monthly DSCR deficit, subject in C3 condition...; Document Uploaded. 04/25/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000018 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | The appraisal reflects the subject is occupied by tenants; however, there are no leases in file. Guideline section Debt Service Coverage Ratio ("DSCR") | Client provided attached documentation in response. | 04/25/2025 | Document uploaded; finding resolved | 04/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The $XXX earnest money deposit check is in the file. Provide a certified escrow deposit receipt. | XXX Response: Uploading EDR. | 04/29/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 04/30/2025 | 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% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, authorized signor for seller, and underwriter were not checked with Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/29/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/30/2025 | 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% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Provide a Handwritten Letter of Explanation executed by the borrower describing the potential impact on XXX, if business funds are used for closing. | XXX Response: Uploading CPA letter advising no adverse effect on business, XXX deems these even better than being written by the borrower themselves. | 04/29/2025 | Document uploaded; finding resolved | 04/30/2025 | 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% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | XXX # XXX banks Statements through XX/XX/XXXX are in the file. However, the Note is dated XX/XX/XXXX. Bank Statements for income must be dated within XXX days from the Statement ending date as of the date of closing. Provide the XX/XX/XXXX XXX #XXX bank Statement. Per Expiration of Credit Documents | XXX Response: Per Credit Memo dated XX/XX/XXXX, these expirations have been pushed out to XXX days. | 04/29/2025 | Per Credit Memo dated XX/XX/XXXX, these expirations have been pushed out to XXX days; finding resolved | 04/30/2025 | 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% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/04/2025 | 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% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/04/2025 | 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% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached document in response. | 05/01/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Wire documentation is in file to verify the Earnest Money Deposit of $XXX; however, a copy of the Earnest Money Deposit receipt is not in file. Guideline section XXX Earnest Money and Deposit | Client provided attached document in response. | 05/01/2025 | Lender Exception to waive the escrow deposit receipt approved by XXX.; Document Uploaded. | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide evidence individual signing as seller on the contract is an authorized signer for selling entity | Client provided attached document in response. | 05/01/2025 | Property Title Issue Resolved; Document Uploaded. | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement company, underwriter were not checked with Exclusionary lists. | Client provided attached document in response. | 05/01/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000010 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000010 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000010 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide copy of seller's, (XXX). power of XXX which authorizes signer on the contract. | Received document in response from the client. | 05/06/2025 | Property Title Issue Resolved; Document Uploaded. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The escrow agent, seller, processor and underwriter were not checked with the exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 05/01/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows XXX #XXX pay history through XX/XX/XXXX. Provide evidence the XX/XX/XXXX payment was made. Per GL's XXX | XXX Response: er Credit Memo dated XX/XX/XXXX, the expiration for ratings can be pushed to XXX days since there are no lates reporting. | 05/01/2025 | Housing History Meets Guideline Requirements; | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/07/2025 | is Greater than the Guideline Minimum - 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% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/07/2025 | is Greater than the Guideline Minimum - 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% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/07/2025 | is Greater than the Guideline Minimum - 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% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The file contains an approved exception reflecting approved to match XXX at XXX% LTV with a XXX middle score, rate is at XXX, XXX year fixed XXX; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached document in response. | 05/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The file contains an approved exception reflecting approved to match XXX at XXX% LTV with a XXX middle score, rate is at XXX, XXX year fixed XXX; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached document in response. | 05/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The file contains an approved exception reflecting approved to match XXX at XXX% LTV with a XXX middle score, rate is at XXX, XXX year fixed XXX; however, no compensating factors are noted. XXX Rate Sheet XX/XX/XXXX | Client provided attached document in response. | 05/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 04/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 04/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% XXX% LTV exceeds XXX% max for a Cash-Out refinance of a Rural property. Per internal emails/Exception Detail, an LTV exception was granted on XX/XX/XXXX; however, it was approved prior to the loan being changed to a Second Home. XXX addressed the occupancy change on XX/XX/XXXX and no subsequent LTV Exception was approved after XX/XX/XXXX, per docs provided. | Client provided attached document in response. | 05/02/2025 | Lender Exception for Rural 2nd Home to XXX% approved by XXX.; Document Uploaded. | 05/05/2025 | 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FCOM3987 | Compliance | Missing evidence required disclosure provided at closing | Missing a correct Certificate of Loans to One Borrower. The Subject loan and XXX #XXX (XXX) are not reflected on the Certificate. | Client provided attached document in response. | 05/02/2025 | Loan amount on Certificate matches loan amount to XXX listed on credit. Condition cleared.; Document Uploaded. | 05/05/2025 | 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/08/2025 | 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | finding-2261 | Compliance | XXX Spread Home Loan Test | HPML compliant This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market XXXs may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | Compliant | 04/08/2025 | 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/08/2025 | 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Twelve Month Bank Statements from XX/XX/XXXX through XX/XX/XXXX are in the file to calculated income. Bank Statements for income must be dated with XXX days of closing. Provide the XX/XX/XXXX bank Statement from XXX #XXX. Per GLs Expiration of Bank Statement (Income) | XXX Response: Per the credit memo dated XX/XX/XXXX, the expiration has been pushed to XXX days. | 05/07/2025 | Income and Employment Meet Guidelines; Per credit memo dated XX/XX/XXXX received on XX/XX/XXXX, bank Statement income expiration was updated from XXX days to XXX days. Income and Employment Meet Guidelines; | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, sellers, listing agent, selling agent, settlement agent and underwriter were not checked with Exclusionary Lists. | XXX Response: Uploading updated DataVerify report. | 05/07/2025 | All Interested Parties Checked against Exclusionary Lists; Property listed at XXX is the additional lot attached to the subject and part of the subject purchase transaction. All Interested Parties Checked against Exclusionary Lists. Condition cleared.; Document Uploaded. ; Document Uploaded. | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1482 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements The HUD, dated XX/XX/XXXX, from sale of XXX shows proceeds of $XXX. Provide verification that the net proceeds from the sale are on deposit in the borrower's account. Per GL's XXX | XXX Response: Uploading updated ULAW with comp factors. | 05/07/2025 | Lender Exception to accept only the HUD for proceeds rather than a bank Statement approved by XXX.; Document Uploaded. | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject lot is XXX acres. The maximum lot size permitted is XXX acres. Per GL's XXX | XXX Response: Uploading updated ULAW with comp factors. | 05/07/2025 | Lender Exception for XXX acres approved by XXX.; Document Uploaded. | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a rural property is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 05/07/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for a rural property is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 05/07/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a rural property is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 05/07/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | 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:(XXX CFR §XXX(f) (XXX) (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 §XXX(f) (XXX) (i) no later than three business days before consummation. Documentation required to clear exception. Consummation date is XX/XX/XXXX, however the earliest CD found in the file is dated XX/XX/XXXX (and was received on XX/XX/XXXX) , which is less than XXX business days prior to consummation. | Client provided attached documentation in response. | 04/14/2025 | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded. | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (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 a disclosure dated within XXX days of the COC in file - The Loan Origination Fee increased from $XXX to $XXX on the Initial CD dated XX/XX/XXXX, following an increase in the loan amount on XX/XX/XXXX. The initial CD dated XX/XX/XXXX (and received on XX/XX/XXXX) was provided less than XXX business days prior to the consummation date of XX/XX/XXXX. If there a disclosure dated within XXX days of the valid COC in file please provide. | Client provided attached documentation in response. | 04/14/2025 | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded. | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide evidence of Rent Loss coverage, the lessor of XXX months PITIA or rent received. | Received attached document in response. | 05/09/2025 | Rent Loss Coverage Present; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The minimum CLTV for DSCR.XXX to Received attached document in response. 05/09/2025 Received updated ULAW - Approved to match XXX XXX% @ XXX, 1yr PPP, DSCR >XXX // \*XX/XX/XXXX update: per XXX ok to allow with to XXX (after further tax cert came in to show exemption which dropped DSCR) / OFFSET: high fico, low ltv..; Document Uploaded. 05/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The minimum HCLTV for DSCR.XXX to Received attached document in response. 05/09/2025 Received updated ULAW - Approved to match XXX XXX% @ XXX, 1yr PPP, DSCR >XXX // \*XX/XX/XXXX update: per XXX ok to allow with to XXX (after further tax cert came in to show exemption which dropped DSCR) / OFFSET: high fico, low ltv..; Document Uploaded. 05/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The minimum LTV for DSCR.XXX to Received attached document in response. 05/09/2025 Received updated ULAW - Approved to match XXX XXX% @ XXX, 1yr PPP, DSCR >XXX // \*XX/XX/XXXX update: per XXX ok to allow with to XXX (after further tax cert came in to show exemption which dropped DSCR) / OFFSET: high fico, low ltv..; Document Uploaded. 05/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. A Lender exception for the DSCR <.XXX is in the file. The compensating factors are low LTV and high FICO. |  |  | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. A Lender exception for the DSCR <.XXX is in the file. The compensating factors are low LTV and high FICO. | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000022 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Acknowledged | FCRE5123 | Credit | Missing Business Entity Formation Document | The file does not contain documentation to verify the status of XXX. Lender to provide Good Standing for XXX. Guideline section Borrowing Entities |  |  | Acknowledged grade 2/B finding | 04/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A B | A | A B | A | A | A B | A | A B | A | A |
| 700000022 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A B | A | A B | A | A | A B | A | A B | A | A |
| 700000022 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A B | A | A B | A | A | A B | A | A B | A | A |
| 700000034 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. The lender used the lease rent of $XXX to qualify; however, the XX/XX/XXXX XXX Statement for XXX reflects a deposit of $XXX and $XXX from the tenants. There is no explanation regarding why the deposited amount differs from the lease amount. Also the lease is not effective until XX/XX/XXXX. Guideline section Debt Service Coverage Ratio | Client provided attached document in response. | 05/12/2025 | Qualifying DSCR meets Guidelines; Document Uploaded. | 05/13/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000034 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/11/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000034 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/11/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A Letter from the borrower States primary residence was XXX. The REO section of Data Verify shows the property was refinanced XX/XX/XXXX with a loan from XXX $XXX. Provide payment history which meets private party Lender requirements, from XX/XX/XXXX - XX/XX/XXXX. Per GL's XXX & XXX | XXX Response: Uploading VOM from the title company that is servicing the loan, this would be considered an institutional servicer and a VOM is acceptable and within guidelines. | 05/12/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. A VOM from Title Security Agency provides pay history for the subject. However, VOM from a private party is not permitted for the subject. Provide twelve months cancelled checks (front and back) , if paid by cashiers or postal checks copies of the past twelve months, or twelve months bank Statements showing the payment withdrawn each month. Per GL's XXX | XXX Response: Uploading VOM from the title company that is servicing the loan, this would be considered an institutional servicer and a VOM is acceptable and within guidelines. | 05/12/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The property report for XXX, (primary residence) , shows a mortgage with XXX $XXX. The Data Verify report shows the property was sold on XX/XX/XXXX. Provide evidence to support the borrower owns the primary residence free and clear or XXX month housing pay-history. Provide explanation for the conflicting information. Per GL's XXX, XXX & XXX | XXX Response: The XX/XX/XXXX sold date is when the borrower bought that property with her XXX. They still own it and live there but with no mortgage reporting and none claimed on the XXX, XXX guidelines do not require any other proof since it is not the subject property per Sec XXX. That mortgage could have been paid off already or not in her name but with it not reporting on credit, further action is not required. | 05/13/2025 | Housing History Meets Guideline Requirements; Property report reflects a mortgage from XX/XX/XXXX with XXX for $XXX in the name of the non signing spouse and the Borrower. XXX reports to all credit agencies, however, that loan is not reflected on the Borrower's credit report which supports the fact that the Borrower is not on the Note. Payment history not available. Condition cleared.; | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The DSCR is calculated using the lessor of the annual in place rent or market rent. Provide a copy of the fully executed lease for the subject. | XXX Response: Uploading lease agreement. | 05/13/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000040 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing proof of XX/XX/XXXX payment for Subject mortgage (XXX #XXX). | Client provided attached document in response. | 05/14/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000040 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000040 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is a Manufactured home in a PUD. The property is XXX for financing. Per GL's XXX PUD-Manufactured Home Developments | XXX Response: Uploading updated ULAW with comp factors. | 05/14/2025 | Lender Exception for XXX in a PUD approved by XXX.; Document Uploaded. | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1118 | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Provide the signed and notarized Deed of Trust |  |  | Borrower 1 Signature matches Note | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Provide the signed and notarized Deed of Trust |  |  | The Deed of Trust is Present | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide a XXX Market Rent Analysis. Per GL's XXX Debt Service Coverage Ratio | XXX Response: Uploading XXX. | 05/14/2025 | Income and Employment Meet Guidelines; Document Uploaded. ; Document Uploaded. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows XXX #XXX XX/XX/XXXX. Provide evidence XX/XX/XXXX payment was made. Per GL's XXX | XXX Response: Per credit memo dated XX/XX/XXXX, the expiration for ratings is now XXX days if no lates are reporting on credit. | 05/14/2025 | Housing History Meets Guideline Requirements; | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is part of a XXX exchange. Provide XXX exchange agreement reflecting all parameters and qualified intermediary funds. A copy of the settlement Statement from the property relinquished. Verification of funds from Qualified Intermediary: $XXX and $XXX. Per GL's XXX XX/XX/XXXX Exchange | XXX Response: Uploading all XXX exchange docs. | 05/14/2025 | Property Title Issue Resolved; Document Uploaded. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. Provide the Deed of Trust with the 1-4 Family rider/Assignment of Rents | Per XXX : Please note that Sections C,D of the Deed of Trust address the Assignment of Rents. | 05/01/2025 | The 1-4 Family Rider is Present; ; Document Uploaded. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The settlement Statement shows $XXX earnest money deposit. Provide a copy of the $XXX wire/check and a certified escrow deposit receipt. | XXX Response: Uploading updated ULAW with comp factors. | 05/14/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The borrower has no history of prior property ownership. Provide evidence of prior ownership, where a FTHB is purchasing an Investment property, XXX Senior Management must assess on a case-by-case basis. GL's XXX | XXX Response: Uploading updated ULAW with comp factors. | 05/14/2025 | Lender Exception for FTHB on an XXX approved by XXX. Compensating factors: XXX% LTV; Positive DSCR; Subject in C3 well maintained condition.; Document Uploaded. | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing The borrower's Drivers License expired XX/XX/XXXX. Provide a current photo ID |  |  | Citizenship Documentation is provided. | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Subject is vested in a Trust. Provide a copy of the XXX under trust instrument dated XX/XX/XXXX | XXX Response: Uploading copy of the executed deeds from the sellers. Title specifically shows his parents as the trustees so a copy of the trust would be a function of title and beyond the scope of our underwrite. | 05/14/2025 | Property Title Issue Resolved; Document Uploaded. | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/16/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. |  |  | Photo Identification provided.; Document Uploaded. | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Acknowledged | FCRE9995 | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. An approved exception is in file to allow XXX months reserves in lieu of XXX months reserves. Compensating factors: length of employment XX/XX/XXXX and credit established since XXX with no delinquency |  |  | Lender Exception for short reserves less than XXX months approved by XXX. Compensating factors: XXX FICO; S/E for XXX+ years; XXX mortgage record; Document Uploaded. | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: There is a gift letter in file for $XXX; however, documentation to verify the funds were deposited in escrow are not in file. Lender to provide a copy of the check with a certified escrow deposit or wire receipt showing funds were from the donor's account in the amount of $XXX. |  |  | Document uploaded; finding resolved | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Acknowledged | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The borrower has XXX months of reserves available; however, XXX months reserves are required. An approved exception is in file to allow XXX months in lieu of XXX months reserves. Compensating factors noted are length of employment XX/XX/XXXX, credit established since XXX with no delinquency. |  |  | Lender Exception for less than XXX months reserves approved by XXX.; Document Uploaded. | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraisal company, appraiser, and title/escrow company as interested parties verified. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The borrower, co-borrower, loan officer, Broker, Lender, seller, seller's signer, listing agent, selling agent, borrowers employer, appraiser, appraisal company, homeowners agent, title agent, settlement agent, processor and underwriter were not checked with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A copy of the $XXX check for earnest money is in the file. Provide the certified escrow deposit receipt. |  |  | Asset Qualification Meets Guideline Requirements; Documents uploaded | 05/16/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/16/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/16/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000012 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000012 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000012 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, and underwriter were not checked with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000068 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing a Verbal Verification of Employment, conducted by Lender within XXX hours prior to funding. |  |  | Borrower 1 3rd Party VOE Prior to Close Was Provided; Document Uploaded. | 05/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000068 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000068 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Acknowledged | FCRE9995 | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. Missing full six months reserves as required per Lender GL for XXX% LTV. XXX months of verified Reserves. Ok, per XXX, for only three months reserves. Compensating Factors: XXX FICO and employment since XXX. |  |  | Ok, per XXX, for only three months reserves. Compensating Factors: XXX FICO and employment since XXX. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 700000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 700000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 700000072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Acknowledged | FCRE1199 | Credit | XXX Loan Amount is greater than Guideline Maximum Loan Amount | XXX Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX $XXX loan amount exceeds $XXX max, per Pricing Sheet ID XXX, for Non-XXX. |  |  | Lender Exception for $XXXM loan amount approved by XXX. Compensating factors: S/E XXX+ years; XXX% DTI; Significant reserves after closing; Subject in C3 condition.; Document Uploaded. | 06/05/2025 | 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% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/17/2025 | 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% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 04/17/2025 | 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% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE1193 | Credit | XXX DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% The Lender calculated the borrowers income using XXX months business checking account with XXX. The income was $XXX. A XXX% expense factor is required, an expense factor under XXX% can be used with a CPA letter disclosing the expense factor and typical for the industry. However, the expense factor can not be lower than XXX%. Audit used a XXX% expense factor to calculate the income requiring a CPA letter to support. Audit income is $XXX. | Uploading CPA letter with XXX% expense factor, CPA verification, updated XXX calculation, updated XXX and ULAW with corrected income and corrected taxes to match the CD. DTI at XXX%. | 05/21/2025 | XXX DTI of XXX% is less than or equal to Guideline DTI of XXX%; Document Uploaded. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE1438 | Credit | ATR Risk | ATR Risk Twelve months business bank Statements were provided to calculate income. The Lender did not use a business expense factor. A CPA letter stating an expense factor under XXX% was not provided. The minimum permitted is XXX% overhead factor. | Uploading CPA letter with XXX% expense factor, CPA verification, updated XXX calculation, updated XXX and ULAW with corrected income and corrected taxes to match the CD. DTI at XXX%. | 05/21/2025 | ATR Risk Resolved; Document Uploaded. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Twelve months business bank Statements were provided to calculate income. The Lender did not use a business expense factor. A CPA letter that directly States the experienced overhead for Applicant's business which is consistent with the industry is required. | Uploading CPA letter with XXX% expense factor, CPA verification, updated XXX calculation, updated XXX and ULAW with corrected income and corrected taxes to match the CD. DTI at XXX%. | 05/21/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE1497 | Credit | ATR: XXX Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered The Lender income did not take into consideration an expense factor. The Twelve Month Bank Statement Program permits a business expense haircut under XXX% may be considered by Underwriter when validated by a CPA Letter that directly States the experienced overhead for Applicant's business AND the ratio is consistent with the Applicant's industry. However, a ratio of less than a XXX% overhead factor to business Statements is not permitted. | Uploading CPA letter with XXX% expense factor, CPA verification, updated XXX calculation, updated XXX and ULAW with corrected income and corrected taxes to match the CD. DTI at XXX%. | 05/21/2025 | ATR: XXX Income or Assets Was Considered; Document Uploaded. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent and underwriter were not checked with Exclusionary lists. |  |  | Document Uploaded. Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Acknowledged | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Missing Credit Score Disclosure (FACTA). |  |  | Acknowledged grade 2/B finding | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraisal company, appraiser, and title/escrow company verified as interested parties. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal Requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 04/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | 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 of $XXX is less than the original mortgage amount of $XXX, which is not acceptable. Guideline section XXX Title Insurance Requirements B. Acceptable Minimum Coverage |  |  | Final title policy provided with full coverage. Condition cleared.; Document Uploaded. ; Acknowledged with 2/B grading | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser, appraisal company, and title/escrow company as verified interested parties. |  |  | Document Uploaded. ; Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists | 05/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Cure required in the amount of $XXX Cure package requires a PCCD, LOE, Copy of refund check, reopen rescission, and proof of delivery to the borrower. The following fees were included in our testing. Mortgage Broker Fee paid by Borrower: $XXX Prepaid Interest paid by Borrower: $XXX Settlement or Closing Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX Verification Of Employment Fee paid by Borrower: $XXX The lender excluded the VOE per the compliance report in file | Client provided attached document in response. | 04/28/2025 | Received copy of PCCD dated XX/XX/XXXX with LOE, Copy of refund check and proof of shipment for testing. Exception cured.; Document Uploaded. | 04/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Cured | finding-3719 | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. | Client provided attached document in response. | 04/28/2025 | Received copy of PCCD dated XX/XX/XXXX with LOE, Copy of refund check and proof of shipment for testing. Exception cured.; Received copy of PCCD dated XX/XX/XXXX with LOE, Copy of refund check and proof of shipment for testing. Exception cured.; Document Uploaded. ; Cure required in the amount of $XXX Cure package requires a PCCD, LOE, Copy of refund check, reopen rescission, and proof of delivery to the borrower. The following fees were included in our testing. Mortgage Broker Fee paid by Borrower: $XXX Prepaid Interest paid by Borrower: $XXX Settlement or Closing Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX Verification Of Employment Fee paid by Borrower: $XXX The lender excluded the VOE per the compliance report in file | 04/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE1193 | Credit | XXX DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% XXX DTI of XXX% exceeds guidelines of XXX% Approved by XXX - Approved to match XXX% at $XXX ($XXX) XXX to XXX%. Need two compensating factors. | Uploading corrected XXX, system showed DTI at XXX% but did not track over to the ULAW since system cannot grant subject rents for an OO but this is a XXX unit so once we added the $XXX as additional income, the ULAW is showing the correct info. | 05/22/2025 | Added $XXX as addtl income, which reduced the DTI to XXX%.; XXX DTI of XXX% is less than or equal to Guideline DTI of XXX%; Document Uploaded. | 05/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, buyers brokerage, selling brokerage, buyer's XXX, sellers XXX, settlement agent, underwriter and seller (XXX) were not checked with Exclusionary Lists. |  |  | Document Uploaded. Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists | 05/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Twelve months XXX bank Statement for #XXX and #XXX were used (simultaneously) to calculate income for XXX business. The Twelve Month Bank Statement Program permits use of up to XXX accounts used consecutively and sequentially. Per GL's XXX | Uploading updated ULAW with comp factors. | 05/22/2025 | ULAW provided: Approved by XXX - Approved to match XXX% at $XXX ($XXX) BPC to XXX%. Ok per XXX to use multiple Statements for the same borrower and ok per XXX for VOR at XXX%, comp factors, XXX FICO, no housing lates in XXX+ years, borr S/E XXX+ years, subject in C3 condition...; Document Uploaded. | 05/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The borrower rents XXX with $XXX rent per month. A VOR from the owner of the rental property is in the file. However, an XXX LTV requires bank Statements, copy of twelve months canceled checks (front and back) or money orders – amount of checks / money orders for the last twelve months which consistently show payment made for rent amount. Per GL's XXX | Uploading updated ULAW with comp factors. | 05/22/2025 | ULAW provided: Approved by XXX - Approved to match XXX% at $XXX ($XXX) BPC to XXX%. Ok per XXX to use multiple Statements for the same borrower and ok per XXX for VOR at XXX%, comp factors, XXX FICO, no housing lates in XXX+ years, borr S/E XXX+ years, subject in C3 condition...; Document Uploaded. | 05/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirement This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 04/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraisal company, appraiser, and title/escrow company as verified interested parties. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 700000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | There is CPA Letter in file to verify the borrower's self-employment; however, there is no verification of the CPA license or business in file. Guideline section IX. Acceptable Evidence of Self-XXX Business |  |  | Document uploaded; finding resolved | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 700000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | 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:(XXX CFR §XXX(f) (XXX) (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 §XXX(f) (XXX) (i) no later than three business days before consummation. Documentation Required : Need Proof that the Borrower received the initial CD at least XXX days prior to closing | Client provided attached document in response. | 04/28/2025 | Initial CD with receipt date provided; Exception resolved; Initial CD with receipt date provided; Exception resolved; Document Uploaded. | 04/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 700000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 700000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Provide the Loan Approval |  |  | Approval/Underwriting Summary is fully present; ; Approval/Underwriting Summary Partially Provided.; Document Uploaded. | 05/19/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, Borrower, Borrower's employer, Lender, Broker, Loan Officer, Processor settlement agent and underwriter were not checked with the exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/19/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirement This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 04/22/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/22/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The credit report shows an open collection with XXX $XXX. Provide evidence the collection was paid in full. Per GL's XXX | Client provided attached response. | 05/26/2025 | ; Delinquent Credit History Does Not Meet Guideline Requirements; ; Document Uploaded. | 05/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, seller (XXX) , XXX, and underwriter with the Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; ; Document Uploaded. Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Acknowledged | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). |  |  | Acknowledged grade 2/B finding | 04/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B C A | B C A | B C A | B C A | B C A | B A | B A | B A | B A | B A | B |
| 700000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser and appraisal company as verified interested parties. |  |  | All Interested Parties Checked against Exclusionary Lists | 05/16/2025 | is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a verbal verification of employment ("VVOE") by XXX within XXX hours prior to funding. | Client provided VOE attached. | 05/26/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Provide a verbal verification of employment ("VVOE") by XXX within XXX hours prior to funding. | Client provided VOE attached. | 05/26/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) ; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE1486 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements A gift letter for $XXX from the borrowers relative is in the file. However, the wired gift funds are for $XXX. Provide a gift letter for $XXX. Per GL's XXX Gift Funds: Receipt of Gift Funds | Client provided attached documentation in response. | 05/28/2025 | Asset XXX Meets Guideline Requirements Or XXX; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, selling real eState broker, Buyer's Real EState Broker, settlement agent, seller, processor and underwriter with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Acknowledged | FCRE1362 | Credit | Borrower 2 Paystubs Less Than XXX Month Provided | Borrower 2 Paystubs Less Than XXX Month Provided The co-borrower hire date with the employer was XX/XX/XXXX. There is one paystub covering less than XXX full months income. The Lender exception is in the file. Compensating factors are low DTI and XXX fico score. |  |  | Borrower 2 Paystubs Less Than XXX Month Provided The co-borrower hire date with the employer was XX/XX/XXXX. There is one paystub covering less than XXX full months income. The Lender exception is in the file. Compensating factors are low DTI and XXX fico score. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser, appraisal company, title/escrow company and seller verified as interested parties. |  |  | Updated fraud review provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The HUD from the XXX is in the file. Provide an exchange agreement. Per GL's XXX XX/XX/XXXX Exchange | Client provided XXX documents. | 05/26/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, all sellers, settlement agent, and underwriter with the Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/23/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000038 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The $XXX earnest money deposit check is in the file. Provide the certified escrow deposit receipt. Per GL's XXX | Client provided escrow document. | 05/26/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 05/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000038 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent and underwriter with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000038 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000038 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000044 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the seller as a verified interested party. | Client provided Fraud report | 05/26/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Seller, XXX, is still missing from the Exclusionary List. Please provide an updated Fraud Report confirming the Seller was searched. Thank you.; Document Uploaded. | 05/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000044 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000044 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, and underwriter with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/28/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The Appraisal shows the subject is tenant occupied. Provide the signed lease agreement. Peer GL DSCR | Lease provided | 05/28/2025 | Property/Appraisal Meets Guidelines. Lease provided.; Document Uploaded. | 05/28/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV for an ITIN cash out refinance with a XXX Fico is XXX%. | Updated ULAW provided. | 05/28/2025 | Lender exception provided. LTV at XXX% tier, comp factors, positive DSCR, no housing lates in last XXX years, significant reserves after closing, subject in C3 condition, comparable sales have a low average DOM; Document Uploaded. | 05/28/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HCLTV for an ITIN cash out refinance with a XXX Fico is XXX%. | Updated ULAW provided. | 05/28/2025 | Lender exception provided. LTV at XXX% tier, comp factors, positive DSCR, no housing lates in last XXX years, significant reserves after closing, subject in C3 condition, comparable sales have a low average DOM; | 05/28/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The Maximum LTV for an ITIN cash out refinance with a XXX Fico is XXX%. | Updated ULAW provided. | 05/28/2025 | Lender exception provided. LTV at XXX% tier, comp factors, positive DSCR, no housing lates in last XXX years, significant reserves after closing, subject in C3 condition, comparable sales have a low average DOM; | 05/28/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/24/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/24/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss coverage amount. HOI Policy only States that it is included but no dollar amount or number of months. Must equal minimum of six months PITIA of Subject property. | XXX Response: Uploading confirmation email from insurance agent that States it is a XXX month coverage term. | 05/28/2025 | ; Email from Insurance Carrier on page XXX confirmed XXX months Rent Loss.; Document Uploaded. | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing Note, Hazard Insurance, and Tax Cert for mortgage attached to XXX. Final 1003 reflects XXX loan #XXX, must not exceed $XXX per month. | XXX Response: Uploading PITI items for other XXX loan. | 05/28/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide a copy of XXX under the trust agreement dated XX/XX/XXXX | Client provided attached documentation in response. | 05/28/2025 | Property Title Issue Resolved; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, seller broker, buyer broker, processor and underwriter with the Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000032 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000032 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000032 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000050 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide the Underwriting Loan Approval Worksheet | Client provided attached documentation in response. | 04/25/2025 | Approval/Underwriting Summary is fully present; Document Uploaded. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 700000050 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Acknowledged | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. Lender Exception to waive 2nd appraisal approved. |  |  | Lender exception provided for appraisal; compensating factors include: XXX DSCR, Low LTV | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 700000050 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 700000050 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 700000056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the Title/Escrow company as a verified interested party. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/28/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/28/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide evidence individual signing as seller on the contract is an authorized signer for selling entity, XXX. | Client provided attached document in response. | 06/01/2025 | Property Title Issue Resolved; Document Uploaded. | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, seller, seller signing agent, selling broker, buyer broker, escrow agent and underwriter with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for a no ratio DSCR is XXX%. | Client provided attached document in response. | 06/01/2025 | Approved to match Open Mortgage's pricing of XXX% @ XXX w XXX yr PPP. Ok per XXX for XXX% LTV. Comp factors XXX FICO, perfect mortgage history for XXX+ yrs, comparable sales have a very low average DOM. ; Document Uploaded. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a no ratio DSCR is XXX%. | Client provided attached document in response. | 06/01/2025 | Approved to match Open Mortgage's pricing of XXX% @ XXX w XXX yr PPP. Ok per XXX for XXX% LTV. Comp factors XXX FICO, perfect mortgage history for XXX+ yrs, comparable sales have a very low average DOM. ; Document Uploaded. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a no ratio DSCR is XXX%. | Client provided attached document in response. | 06/01/2025 | Approved to match Open Mortgage's pricing of XXX% @ XXX w XXX yr PPP. Ok per XXX for XXX% LTV. Comp factors XXX FICO, perfect mortgage history for XXX+ yrs, comparable sales have a very low average DOM. ; Document Uploaded. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000042 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser and appraisal company as verified interested parties. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000042 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/29/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000042 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/29/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the Loan Participant Analysis reflecting all verified interested parties. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. The loan application shows the borrower rents the primary residence at XXX for XXX months with $XXX rent per month. Provide cancelled checks (front/back) or bank Statements to verify the payments. Per GL's XXX | Client provided attached document in response. | 06/01/2025 | Lender Exception to waive VOR approved by XXX.; Document Uploaded. | 06/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, title agent, and underwriter with the Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Acknowledged | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Wire in file verifying payment of $XXX for Earnest Money Deposit; however, the receipt for these funds is not in file. Lender to provide the receipt for the Earnest Money Deposit of $XXX provided by the borrower. Guideline section XXX Earnest Money and Deposit | Client provided attached document in response. | 05/30/2025 | Ok per XXX to use the wire receipt as the EDR. Comp factors, XXX FICO, XXX% LTV, XXX months reserves, comparable sales have a very low average DOM... ; Document Uploaded. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser and appraisal company as verified interested parties. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | Provide a copy of social security card or fully executed SSA-XXX results. | Client provided attached document in response. | 05/30/2025 | Received copy of a Social Security Verification document showing the information was verified and matched for the SSA-XXX Report. Cleared/resolved. ; Document Uploaded. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent company, borrowers XXX (XXX) , XXX, and the underwriter with Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower is a First Time Home Buyer purchasing an investment property. If originating an investment property the file will require DTI with greater or equal XXX% DTI versus DSCR. An exception for XXX% LTV DSCR >.XXX FTHB Interest Only. Compensating factors are low LTV and strong collateral. |  |  | Income and Employment Do Not Meet Guidelines The borrower is a First Time Home Buyer purchasing an investment property. If originating an investment property the file will require DTI with greater or equal XXX% DTI versus DSCR. An exception for XXX% LTV DSCR >.XXX FTHB Interest Only. Compensating factors are low LTV and strong collateral. | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000016 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/30/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/30/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/30/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Title was vested in XXX and XXX. Provide Deed to XXX and XXX signed by XXX. | Client provided attached document in response. | 05/14/2025 | Property Title Issue Resolved; Document Uploaded. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check XXX and XXX with the exclusionary lists. | Client provided attached document in response. | 05/14/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Document Uploaded. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000036 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the seller as a verified interested party. | Client provided attached document in response. | 05/14/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/15/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000036 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/05/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000036 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/05/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser, appraisal company, and escrow/title company as a verified interested party. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000076 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000076 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000076 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The guidelines State rent loss insurance covering a minimum of six months of the rental figure used to qualify is required for the investment property. The hazard Insurance declaration is missing evidence of rent loss coverage of minimum six months. | Document Uploaded. Please see dec page | 02/27/2025 | Rent Loss Coverage Present | 02/28/2025 | D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Resolved | FCRE7009 | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required. The Hazard Insurance program "Dwelling Basic (DP-XXX) " is an actual cash value policy and is not an acceptable form of Hazard Insurance. Hazard Insurance coverage of $XXX is less than required coverage required. The Hazard Insurance program "Dwelling Basic (DP-XXX) " is an actual cash value policy and is not an acceptable form of Hazard Insurance. | Document Uploaded. Please see dec page | 02/27/2025 | Hazard Insurance coverage meets guideline requirement | 02/28/2025 | D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Acknowledged | FCRE1200 | Credit | XXX Loan Amount is less than Guideline Minimum Loan Amount | XXX Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX. The Underwriter comments on the XXX State an exception for loan amount was approved. However, the loan file is missing the approval for the exception. | Document Uploaded. Please see attached exception approval | 02/14/2025 | Per lender exception approval - Deviating from current posted guidelines for minimum loan amount of $XXX. Current loan amount $XXX - compensating factors > XXX months reserves.; XXX Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX | 02/17/2025 | D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/14/2025 | D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/14/2025 | D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000096 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000096 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000096 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX Underwriting and Transmittal Summary provided list all other monthly payments used in qualifying as $XXX a month resulting in a DTI of XXX%. The borrowers credit reports dated XX/XX/XXXX States the total monthly liabilities as $XXX matching the Final 1003's section 2c. resulting in a DTI of XXX%. An updated XXX or documentation that confirms the borrowers are no longer responsible for the liabilities listed on the credit report is required. | Document Uploaded. Please see updated XXX and UW Approval; Per UW, the difference is $XXX which is a car payment that both borrowers were being hit with on their credit report. Therefore, one was excluded from the DTI so they were not double hit. Please waive condition. | 03/04/2025 | Approval/Underwriting Summary is fully present; The following tradelines are included in Auditor's DTI: B1 XXX #XXX $XXX, XXX #XXX $XXX and B2 XXX #XXX $XXX = $XXX. An updated XXX or documentation that confirms the borrowers are no longer responsible for the liabilities listed on the credit report is required. | 03/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/28/2025 | 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. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/28/2025 | 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. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. The XXX DSCR program allows a single entity ownership up to XXX% of the project. The borrowers entity ownership of the project is XXX% resulting in subject property not being XXX. | Document Uploaded. Please see attached condo review | 03/04/2025 | Condo Approval is provided.; ; Per further review of guidelines, the portion of the guidelines that State: Single entity ownership is allowed up to XXX% of the project is related to XXX > XXX%, which does not apply to this loan as the qualifying LTV is XXX%, per XXX. Finding is cleared. | 03/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned document consent dated XX/XX/XXXX or prior is missing from the file. | Document Uploaded. Please see correct econsent | 03/07/2025 | Evidence of eConsent is provided. | 03/07/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 700000098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Please provide explanation for excluding Mortgage payment of $XXX for XXX listed on borrower credit report. | Per Addendum to XXX, UW indicated that two listed mortgages were excluded from debt calculations because per divorce decree, ex-wire was awarded property, which includes mortgage from XXX. Please waive/clear condition. | 03/07/2025 | Per Lender, Mtg payment excluded per XXX Decree. | 03/07/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 700000098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/05/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 700000105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE1480 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Per Final CD, Missing receipt of Gift funds of $XXX by Settlement Agent. Please provide. | Document Uploaded. Please see attached gift receipt and updated gift letter | 03/07/2025 | Asset Record XXX Meets G/L Requirements Or XXX | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | Compliant | 03/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | Compliant | 03/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX and loan approval dated XX/XX/XXXX list the appraised value at $XXX with a LTV/CLTV of XXX%. The appraisal in file dated XX/XX/XXXX list the appraised value as $XXX. Additionally, the desktop appraisal review completed XX/XX/XXXX list the subject as $XXX resulting in an LTV/CLTV of XXX%. | Document Uploaded. Please see attached updated UW Approval and XXX | 03/07/2025 | Approval/Underwriting Summary is fully present | 03/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 700000084 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/21/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000084 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/21/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000084 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/21/2025 | is Greater than the Guideline Minimum - 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 10/28/2024 | eConsent provided.; Evidence of eConsent is provided. | 10/29/2024 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Borrower's qualifying income was calculated using the prior year with YTD XXX earnings, instead of just using the prior year XXX earnings allowed per Guidelines. Lender exception documented as follows: Exception to consider the use of the XXX YTD XXX earnings in qualifying income calculation. Compensating factors: High discretionary income and XXX years in current job. |  |  | Lender exception documented as follows: Exception to consider the use of the XXX YTD XXX earnings in qualifying income calculation. Compensating factors: High discretionary income and XXX years in current job. | 10/29/2024 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  |  | HPML compliant | 10/25/2024 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/25/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - 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% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 700000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within XXX Days of | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of , (XX/XX/XXXX). Documentation required: Please provide evidence the ARM disclosure was issued either within XXX days of applicate date or time of program change. | Document Uploaded. | 12/16/2024 | ARM Disclosure Provided Within XXX Days of or XXX.; Lender provided ARM disclosure which was dated within XXX days of the date the loan was changed to an ARM | 12/16/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 12/02/2024 | E consent provided, exception resolved; Evidence of eConsent is provided. The eSigned documents consent is missing. | 12/16/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  |  | HPML compliant | 11/26/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | finding-2559 | Compliance | XXX Home Loan Test | This loan failed the XXX Home Loan Test. (XXX XX/XX/XXXX, XXX(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market XXXs may prefer not to fund or buy subprime home loans even if the additional conditions are met. HPML requirements met. |  |  | HPML compliant | 11/26/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000092 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/13/2024 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide the documentation for the $XXX per monthnth expense for the borrower's primary residence at XXX. | Lender provided evidence of HOA fees ; Document Uploaded. | 12/19/2024 | Additional documentation provided; exception resolved. | 12/19/2024 | 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. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000092 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/13/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | 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. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000092 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 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. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000078 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis The subject Appraisal was completed "subject to", the Final Inspection was not found in the loan file. | Document Uploaded. Sorry, the AM sent the wrong one. This is the correct one.; Document Uploaded. Hi, please see 1004D with Water Heater and Carbon& Smoke Detectors.; Document Uploaded. | 04/28/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; XXX provided; 1004D Completion cert provided indicates safety straps on water heater and carbon and smoke detectors were installed, however, 1004D does not reflect the subject property address of XXX ; 1004D received does not indicate smoke and carbon monoxide detectors were installed on Unit XXX as per appraisal. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000078 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000078 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/12/2025 | Resolved | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX. | Hi, please advise what the counter is. It is blank.; Document Uploaded. Hi, this is a Refinance. Please see current policy from XX/XX/XXXX - XX/XX/XXXX. The one in the file is the renewal. We have coverage at time of funding. | 04/17/2025 | HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-XXX Insurance Policy Effective Date Is Not Provided; ; Individual HO3 provided. Condo Master policy dates are disbursement date. ; HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX; current policy provided | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML compliant | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML compliant | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (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 to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points and no COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package. | Document Uploaded. | 04/23/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 04/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (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 to the borrower OR Valid COC. The Lender Credit violation is due to the decrease on the Final CD and no COC was found in the file explaining the reason for why the credit decreased. Please provide a Valid COC or Cure Package. | Document Uploaded. | 05/07/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (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 to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points on the Final CD and no COC was found in the file explaining the reason for why the fee was added. Please provide a Valid COC or Cure Package. | Document Uploaded. | 05/07/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 700000082 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | 2502148752-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Resolved | 2502147745-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2024 | Acknowledged | 7764257418 | Property | Ineligible Property | Subject property is in a rural location. | XXX: XXX exception approval in file. | 11/01/2024 | XXX: XXX exception approval received. | 11/01/2024 | FICO above the minimum by XXX points or higher, VOR XXX A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 700000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2024 | Resolved | 7764537652 | Property | Short Term Rental Income - Missing or Defective | Missing short term rental income for subject property located at: XXX. | XXX: Uploaded | 11/11/2024 | XXX: Received XXX. | 11/11/2024 | A B D | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 700000086 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/27/2024 | Resolved | 92010168821-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2024 | Resolved | 92010170963-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/06/2024 | Acknowledged | 8002386934 | Credit | Excessive LTV Ratio | XXX% LTV >XXX% allowed. | XXX: XXX exception approval in file. | 12/06/2024 | XXX: XXX exception approval received. | 12/06/2024 | Fico XXX+ greater than minimum required, DSCR > XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 700000090 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2025 | Resolved | 92010172351-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/04/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/04/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/04/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/12/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/13/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/13/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/12/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/13/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/23/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/23/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/04/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/04/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/04/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/25/2024 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/25/2024 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/25/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/25/2024 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 700000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | finding-3551 | Compliance | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XXX CFR §XXX(f) (XXX) (v)) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e) (XXX) (i) or (ii) , the creditor complies with §XXX(e) (XXX) (i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f) (XXX) (i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | XXX Response: Counter: XXX was added when it was determined that a co-borrower would be needed to proceed with the loan. On XX/XX/XXXX, the credit report for the co-borrower was delivered, however, the birthdate was incorrect. This necessitated an updated credit report to be obtained. This was obtained and reviewed by the Underwriter on XX/XX/XXXX, which is when the condition was cleared and the fee was updated. We did not update the fee before this as the updated report may have incurred additional fees which then would have been missed. XX/XX/XXXX credit report has been uploaded. A cure was not necessary in the end. | 06/18/2025 | ; Cure was provided within XXX days of discovery; exception resolved; Document Uploaded. | 06/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Compliant | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (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 Credit Report. There is a COC for the addition of a borrower, however the increase was not disclosed within XXX days of that COC. | Client provided attached document in response. ; XXX Counter Response: The co-borrower was added on XX/XX/XXXX, but the XXX required pieces of information for the co-borrower were not received until XX/XX/XXXX. At this time, the UW determined that the credit report had conflicting/incorrect information and required an updated report be delivered. Once the updated report was delivered, Cond XXX was cleared, providing us with a valid CIC to add the credit report fee. Approval backing up this timeline has been uploaded.; XXX Response: The changes described on the CIC document were disclosed on the initial CD, dated XX/XX/XXXX, the same day as the change occurred. We've have uploaded said CD. | 06/04/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; The LE dated XX/XX/XXXX shows the co-borrower was added and the loan approval confirms at this point there was sufficient information to know there would be a change in credit report fee for the additional borrower, therefore the credit report fee was not disclosed timely and requires a cure. ; ; a valid COC for the addition of the coborrower was provided dated XX/XX/XXXX, however the increase to the credit report fee was not disclosed until XX/XX/XXXX which is not within XXX days of the COC. The invoice in file also shows the additional borrower with credit pulled XX/XX/XXXX and another increase dated XX/XX/XXXX by $XXX due to the inquiry which is also not disclosed within XXX days; Document Uploaded. | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Twelve month Bank Statement Program was used for income. The Lender used XXX report Statements to calculate the income. The program requires personal or business bank Statements. |  |  | Income and Employment Meet Guidelines; Document Uploaded. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with Exclusionary Lists |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 700000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired The appraisal and Field Review report are dated XX/XX/XXXX. Provide a re-certification of value. | Client provided attached document in response. | 05/12/2025 | Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist; Document Uploaded. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a third party valuation product to support the value. | Client provided attached document in response. | 05/05/2025 | Third party valuation product provided within tolerance.; Document Uploaded. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, field review appraiser and appraisal company, settlement agent, and underwriter with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The loan application shows XXX as an investment property. Provide a property report to establish there is not foreclosure action. Per GL's XXX | XXX Response: Uploading SiteX report showing borr took title XX/XX/XXXX, no adverse actions noted. | 06/11/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The leases for each unit is in the file. Provide proof of receipt of rent from each unit. Per GL's XXX | Client provided attached document in response. ; XXX Response: Receipt of rents is only required on a DSCR if there is a forbearance plan put in place within the last XXX months and there are no XXX plans reporting. | 06/18/2025 | ; Document Uploaded. ; Loan Approval reflects requirement per management for proof of receipt of rent to justify vested interest. Please see condition #XXX on loan approval. Thank you.; | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Acknowledged | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Cash out which exceeds $XXX is limited to XXX% LTV. The LTV is XXX% and the borrower received $XXX. | XXX Response: Uploading updated ULAW with comp factors. | 06/11/2025 | Lender Exception for excessive cash out approved by XXX.; Document Uploaded. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1292 | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing The subject is a short term rental. Provide a XXX month ledger from property manager, XXX, XXX, and short-term-rental market rent estimate. Per GL's DCSR | Client provided attached document in response | 06/16/2025 | Income XXX Months Income Verified is Present Or XXX; Document Uploaded. | 06/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, and underwriter with the Exclusionary lists. |  |  | Updated fraud report provided, exception provided. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A VOM from a private party mortgage with XXX is in the file to verify the subject pay-history. A VOM from a private party is not acceptable for the subject property. Provide XXX months cancelled checks (Front/back) , or bank Statements which show the payment each month. Per GL's XXX & XXX | Client provided attached document in response | 06/16/2025 | Lender Exception to use private party VOM approved by XXX.; Document Uploaded. | 06/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The file does not contain a credit reference letter or bank Statement reflecting a foreign financial banking relationship. The W-8BEN is also not in file. Guideline section XXXs. | Client provided attached document in response. ; Client provided attached document in response. ; XXX Response: Uploading XXX Statement, proof of a banking relationship will satisfy the requirements. | 06/09/2025 | ; Document Uploaded. ; Thank you for providing the bank Statement. We are still missing the executed W-XXX (XXX) IRS form (closing document requirement). Please provide the signed W-XXX (XXX) closing document required per guidelines. Thank you.; Document Uploaded. ; No attachment was provided. Per Section XXX, to comply with Anti-Money Laundering and OFAC requirements, please provide either a credit reference letter from an internationally known financial institution or a bank Statement documenting a foreign financial banking relationship for the past XXX days. Also, please provide executed W-XXX (XXX) IRS form (specific closing document requirement per page XXX of guidelines) ; | 06/10/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant | 03/31/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant | 03/31/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss coverage. HOI dec page doesn't reflect it and no docs support that it is included in the insurance. Must cover a minimum of six months of the subject's PITIA. | Client provided attached document in response. ; Client provided attached document in response. | 06/05/2025 | Rent Loss Coverage Present; Document Uploaded. ; HOI provided is for XXX. Please provide verification of rent loss insurance for the subject property (XXX). Thank you.; | 06/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The $XXX escrow receipt is in the file. Provide a bank Statement showing the check or wire cleared; or copy of check (canceled or not canceled) or outgoing wire. Per GL's XXX | Uploading bank Statement showing the withdrawal for both EMD's for both properties they purchased, pg XX/XX/XXXX for $XXX. | 05/15/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company settlement agent, real eState broker, and underwriter were not checked with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows XXX #XXX reported through XX/XX/XXXX. Provide evidence the XX/XX/XXXX and XX/XX/XXXX payments were made. Per GL's XXX | Client provided attached documentation in response. ; Per the credit memo dated XX/XX/XXXX, the expiration has been pushed to XXX days. | 06/10/2025 | Lender Exception to use just the XXX month rating for a full rating approved by XXX.; Document Uploaded. ; Credit Memo dated XX/XX/XXXX indicates XXX day expiration date if reporting 0x30 for XXX months, however, XXX #XXX is only reporting for XXX months. Please provide updated payment history. Thank you.; | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for Fico score of XXX is XXX%. | XXX Response: Uploading updated ULAW; Uploading updated ULAW with comp factors | 06/09/2025 | Lender Exception to allow XXX point credit score exception to increase CLTV to XXX% approved by XXX; Document Uploaded. ; Updated ULAW not provided. | 06/09/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Acknowledged | FCRE1200 | Credit | XXX Loan Amount is less than Guideline Minimum Loan Amount | XXX Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX The minimum loan amount is $XXX. | XXX Response: Uploading updated ULAW; Uploading updated ULAW with comp factors. | 06/09/2025 | Lender Exception for loan amount of $XXX approved by XXX; Document Uploaded. ; Updated ULAW not provided. | 06/09/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for Fico score of XXX is XXX%. | XXX Response: Uploading updated ULAW; Uploading updated ULAW with comp factors. | 06/09/2025 | Lender Exception to allow XXX point credit score exception to increase LTV to XXX% approved by XXX; Document Uploaded. ; Updated ULAW not provided. | 06/09/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for Fico score of XXX is XXX%. | XXX Response: Uploading updated ULAW; Uploading updated ULAW with comp factors. | 06/09/2025 | Lender Exception to allow XXX point credit score exception to increase HCLTV to XXX% approved by XXX; Document Uploaded. ; Updated ULAW not provided. | 06/09/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1481 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements XXX # XXX account name is XXX. Provide documentation showing the borrower is the owner of XXX. Per GL's XXX |  |  | Asset Record XXX Meets G/L Requirements Or XXX; Document Uploaded. | 06/09/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A copy of $XXX check sent to escrow is in the file. Provide a certified escrow deposit receipt. Per GL's XXX | XXX Response: Uploading EDR for $XXXk; Uploading LOE from borrower that the $XXX was provided closing and not the same as the $XXX EMD that was made on XX/XX/XXXX at the signing of the contract | 06/09/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. ; Final HUD reflects a $XXX EMD and the file includes a cashiers check dated XX/XX/XXXX for $XXX made payable to XXX. Please provide certified escrow deposit receipt from XXX for the $XXX EMD as required per Section XXX of guidelines. Thank you.; Document Uploaded. | 06/09/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, listing agent, selling agent, authorized signer for the seller, settlement agent, borrowers name matching note, and the underwriter were not checked with exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/19/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/16/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/16/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1480 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The XXX acct XXX bank Statement is not in file. Lender to provide the February or March Statement for XXX acct XXX to verify assets of $XXX. Guideline section XXX Verification of Assets/Funds | These funds were not used for closing, uploading LOE and HELOC Statement showing availability of closing funds. | 05/16/2025 | Asset Record XXX Meets G/L Requirements Or XXX; Document Uploaded. | 06/10/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1468 | Credit | Asset XXX Missing | Asset XXX Missing The XXX acct XXX bank Statement is not in file. Lender to provide the February or March Statement for XXX acct XXX to verify assets of $XXX. Guideline section XXX Verification of Assets/Funds | Client provided attached document in response. ; These funds were not used for closing, uploading LOE and HELOC Statement showing availability of closing funds. | 06/09/2025 | Asset XXX Provided Or XXX; Document Uploaded. ; Asset XXX Missing The final application does not reflect the XXX HELOC as an asset/source of funds for closing as required per Section XXX of guidelines. Please provide an updated Final 1003 reflecting the actual assets used for closing. Thank you. ; Document Uploaded. | 06/10/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1481 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The XXX acct XXX bank Statement is not in file. Lender to provide the February or March Statement for XXX acct XXX to verify assets of $XXX. Guideline section XXX Verification of Assets/Funds | These funds were not used for closing, uploading LOE and HELOC Statement showing availability of closing funds. | 05/16/2025 | Asset Record XXX Meets G/L Requirements Or XXX; Document Uploaded. | 06/10/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1469 | Credit | Asset XXX Missing | Asset XXX Missing The XXX acct XXX bank Statement is not in file. Lender to provide the February or March Statement for XXX acct XXX to verify assets of $XXX. Guideline section XXX Verification of Assets/Funds | These funds were not used for closing, uploading LOE and HELOC Statement showing availability of closing funds. | 05/16/2025 | Asset XXX Provided Or XXX; Document Uploaded. | 06/10/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the Appraisal Company, Appraiser, and Title/Escrow Company as verified interested parties. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/10/2025 | D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/16/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/16/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The desk review showed the appraised value was XXX. The Lender used the desk review value of $XXX to calculate the LTV. | Client provided attached document in response. | 04/22/2025 | Third party valuation product provided within tolerance.; The top of pg XXX advises that those below sections in question are not required since the appraiser answered "yes" to question XXX in Section XXX. The appraiser feels the original appraisal is accurate and does not need to provide any additional info.; The Field Review provided is incomplete. Additional comparable sales provided do not reflect any adjustments and the final opinion of value is blank. Please provide completed Field Review for analysis. Thank you.; Document Uploaded. | 06/16/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The borrower, Lender, Broker, Loan Originator, settlement agent, appraiser, appraisal company, processor and underwriter were not checked with the Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared OFAC fail, Lender to clear |  |  | OFAC Check Completed and Cleared | 05/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE1202 | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Provide all pages to the Fraud report |  |  | Third Party Fraud Report is fully present; Document Uploaded. | 05/21/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject mortgage is with XXX, a Private Party Non-Institutional Lender. A VOM was provided to verify mortgage payments. A VOM from a private party is not permitted for the subject. Provide cancelled checks (front and back) for Jan 'XXX through March' XXX to verify the pay-history. | XXX is not the same as a private party person who is lending personal funds, they are considered an institutional lender per XXX. Also, loan is serviced by XXX, VOMN provided is acceptable. | 05/20/2025 | Housing History Meets Guideline Requirements; | 05/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/21/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for a Fico of XXX is XXX%. HCLTV is XXX%. The Lender exception is in the file. Compensating factors; Low LTV, DSCR >XXX, and worst case pricing. |  |  | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for a Fico of XXX is XXX%. HCLTV is XXX%. The Lender exception is in the file. Compensating factors; Low LTV, DSCR >XXX, and worst case pricing. | 04/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a Fico of XXX is XXX%. CLTV is XXX%. The Lender exception is in the file. Compensating factors; Low LTV, DSCR >XXX, and worst case pricing. |  |  | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a Fico of XXX is XXX%. CLTV is XXX%. The Lender exception is in the file. Compensating factors; Low LTV, DSCR >XXX, and worst case pricing. | 04/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a Fico of XXX is XXX%. LTV is XXX% The Lender exception is in the file. Compensating factors; Low LTV, DSCR >XXX, and worst case pricing. |  |  | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a Fico of XXX is XXX%. LTV is XXX% The Lender exception is in the file. Compensating factors; Low LTV, DSCR >XXX, and worst case pricing. | 04/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a cash out refinance with a Fico score of XXX is XXX%. |  |  | Document Uploaded. Lender Exception to XXX% approved by XXX. | 06/05/2025 | D B C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Rent receipt's signed by the borrower for January'XXX: $XXX (rent & security deposit) , and February 'XXX for $XXX (rent) is in the file. Provide the lease for the subject, signed by borrower and leaser, showing the term and monthly rent of $XXX. Per GL's DSCR Actual Rent | Uploading lease agreement. | 05/21/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 05/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The note with XXX is in the file. Provide all payments made through cancelled checks (front and back) for payments for the subject property. Per GL's XXX | Uploading FSS from closing that included pre-paid interest that was taken out at time of funding XX/XX/XXXX (reserve) through XX/XX/XXXX and also showing proof of XX/XX/XXXX payment. | 05/21/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 05/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide evidence of XXX months gross rental income rent loss insurance coverage. At minimum, Rent loss coverage should be to the lessor of PITIA or rent received. | Uploading hazard with $XXXK in rent loss coverage, which is XXX months of $XXX rents being used for qualification. | 05/21/2025 | Rent Loss Coverage Present; Document Uploaded. | 05/21/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company and underwriter were not checked with Exclusionary Lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/21/2025 | D B C A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject was purchased XX/XX/XXXX for $XXX. The value for a property purchased under XXX months is the lessor of the purchase price or appraised value. Provide the HUD and documented receipts for improvements. Per GL's XXX |  |  | Document Uploaded. Lender Exception to use appraised value without list and receipts of investment into the subject approved by XXX. | 05/21/2025 | D B C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a cash out refinance with a Fico score of XXX is XXX%. |  |  | Document Uploaded. Lender Exception to XXX% approved by XXX. | 05/21/2025 | D B C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for a cash out refinance with a Fico score of XXX is XXX%. |  |  | Document Uploaded. Lender Exception to XXX% approved by XXX. | 05/21/2025 | D B C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/21/2025 | D B A C | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject is tenant occupied. Provide a signed lease agreement for both units. Per GL's DSCR | Client provided lease agreements. | 05/26/2025 | Document Uploaded. ; Property/Appraisal Meets Guidelines | 05/26/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HCLTV for a cash out refinance for ITIN borrower with a XXX Fico score is XXX%. | Client provided updated ULAW | 05/26/2025 | ULAW provided: Approved for XXX% @XXX with XXX yr PPP,.XXX Discount to XXX. Ok per XXX for XXX% LTV, comp factors, XXX DSCR, significant reserves after closing, no mortgage lates reporting. | 05/26/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV for a cash out refinance for ITIN borrower with a XXX Fico score is XXX%. | Client provided updated ULAW | 05/26/2025 | ULAW provided: Approved for XXX% @XXX with XXX yr PPP,.XXX Discount to XXX. Ok per XXX for XXX% LTV, comp factors, XXX DSCR, significant reserves after closing, no mortgage lates reporting. | 05/26/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The Maximum LTV for a cash out refinance for ITIN borrower with a XXX Fico score is XXX%. | Client provided updated ULAW | 05/26/2025 | ULAW provided: Approved for XXX% @XXX with XXX yr PPP,.XXX Discount to XXX. Ok per XXX for XXX% LTV, comp factors, XXX DSCR, significant reserves after closing, no mortgage lates reporting. | 05/26/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/24/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide evidence of XXX months gross rental income rent loss insurance coverage. Rent loss coverage should be to the lessor of PITIA or rent received/scheduled. | Client provided attached document in response. ; Client provided attached documentation in response. | 06/05/2025 | ; Insurance in file on page XXX reflected rent loss coverage. Condition rescinded.; Document Uploaded. ; Policy provided does not reflect a specific amount of rent loss coverage or the number of months. Please provide an HOI policy that reflects a minimum of XXX months rent loss coverage. Thank you.; Document Uploaded. | 06/06/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, seller broker, listing broker, settlement agent, and underwriter with the Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/06/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Properties listed on the loan application schedule of REO; XXX, and XXX. Provide property reports for XXX and XXX. Per GL's XXX | Client provided attached documentation in response. | 05/29/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. | 06/06/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/25/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, processor and underwriter with the Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared Borrower 2 name is on the OFAC watchlist. Verify the identity of participant and follow internal watchlist match procedures. | XXX Response: Uploading QC note advising of clearance of OFAC finding. | 05/28/2025 | OFAC Check Completed and Cleared; Document Uploaded. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject units are rented. Provide signed lease agreement. Per DSCR | XXX Response: Uploading both lease agreements. | 05/28/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a cash out refinance with cash in hand >$XXX is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 05/28/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for a cash out refinance with cash in hand >$XXX is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 05/28/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a cash out refinance with cash in hand >$XXX is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 05/28/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. The rent loss coverage on the Hazard Insurance declaration page is $XXX. The coverage required is the lessor of XXX months PITI or XXX months rent. Provide evidence rent loss coverage is $XXX, XXX. Per GL's XXX C. | Uploading HOI policy showing $XXX fair rental value PLUS increased fair rental value coverage of $XXX for total coverage of $XXX.; Client provided attached document in response. | 06/06/2025 | Loss Rent Coverage is Sufficient; ; Policy in file on page XXX reflected sufficient rent loss coverage. Condition rescinded.; Document Uploaded. | 06/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, selling broker, listing broker, settlement agent/ escrow agent, and underwriter with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% An approved exception is in file to allow a XXX% LTV, No Ratio, unlimited cash-out; however, no compensating factors are noted. | Client provided attached document in response. | 06/01/2025 | Price match XXX% at XXX. Comp factors for exceptions, XXX FICO, XXX years reserves with the cash out of $XXX million, borr S/E XXX+ years, no negative credit reporting whatsoever..; Document Uploaded. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% An approved exception is in file to allow a XXX% LTV, No Ratio, unlimited cash-out; however, no compensating factors are noted. | Client provided attached document in response. | 06/01/2025 | Price match XXX% at XXX. Comp factors for exceptions, XXX FICO, XXX years reserves with the cash out of $XXX million, borr S/E XXX+ years, no negative credit reporting whatsoever..; Document Uploaded. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% An approved exception is in file to allow a XXX% LTV, No Ratio, unlimited cash-out; however, no compensating factors are noted. | Client provided attached document in response. | 06/01/2025 | Price match XXX% at XXX. Comp factors for exceptions, XXX FICO, XXX years reserves with the cash out of $XXX million, borr S/E XXX+ years, no negative credit reporting whatsoever.. ; Document Uploaded. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the escrow/title company as a verified interested party. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | FCRE1193 | Credit | XXX DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% The file contains a letter of explanation from the borrower stating they are still paying for an assisted living home that was bought in XX/XX/XXXX for $XXX. The lender did not include the $XXX mortgage payment in ratios and therefore resulted in a DTI of XXX% once this debt was included. | XXX Response: Uploading prelim from this other file showing it was tied to subject and not another property and also the CD showing it was paid off. Uploading current prelim that only shows the XXX loan that we refinanced here. UW should have removed the liability completely and mapped over the info to better show the situation. XXX DTI is correct. | 06/02/2025 | XXX DTI of XXX% is less than or equal to Guideline DTI of XXX%; Prior XXX refi that took place in February paid off XXX mortgage. Borrower is refinancing that loan XXX months later with the subject loan reducing the rate from XXX to XXX. See prior title and CD compared to current title and CD in Trailing Docs. XXX DTI of XXX% is less than or equal to Guideline DTI of XXX%. Condition cleared.; Document Uploaded. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Provide a three bureau credit report. Credit rating is subject to the review of the credit report. | Client provided attached document in response. | 06/02/2025 | Borrower 1 Credit Report is not missing.; Document Uploaded. | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 700000129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject is tenant occupied. Provide a copy of the signed and dated lease. Per DSCR | Client provided attached document in response. | 06/02/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 700000129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the broker, loan officer, Lender, appraiser, appraisal company, settlement agent, borrower, vested owners, processor and underwriter with the Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 700000129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 700000130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject is currently rented for $XXX per month. Provide a copy of the signed and dated lease. Per GL's DSCR | Client provided attached document in response. | 06/02/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 06/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Provide evidence the rent loss insurance coverage is XXX months PITI. |  |  | Loss Rent Coverage is Sufficient; Document Uploaded. | 06/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent and underwriter with Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. The borrower is a XXX; however, there is no passport, Visa, or ITIN in file. Guideline section XXXs | Client provided attached document in response. ; Client provided attached document in response. | 06/04/2025 | Borrower Identification Document provided.; Document Uploaded. ; ULAW provided only indicates an exception for not providing a W8 XXX form. Please provide a copy of a current Passport, Visa, or ITIN as required for XXXs as reflected in section XXX-Specific Closing Document Requirements. Thank you.; Document Uploaded. | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Acknowledged | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The borrower is a XXX; however, there is no credit reference or W-8BEN in file. Guideline section XXXs | Client provided attached document in response. ; Client provided attached document in response. | 06/04/2025 | Document Uploaded. ; Lender Exception to waive W8 XXX form approved by XXX.; Document Uploaded. | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 700000132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% For DSCR No Ratio, the maximum LTV allowed for a purchase is XXX%. The initial application was completed XX/XX/XXXX. The guidelines that allow for XXX% LTV for DSCR No Ratio are not date until XX/XX/XXXX. There is no exception in file. |  |  | XXX HLTV of XXX% is less than or equal to Guideline HCLTV of XXX%; Document Uploaded. XXX Response: Loan closed within guidelines. Uploading rate sheet from XX/XX/XXXX showing at time loan was approved allowed for XXX% LTV | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% For DSCR No Ratio, the maximum LTV allowed for a purchase is XXX%. The initial application was completed XX/XX/XXXX. The guidelines that allow for XXX% LTV for DSCR No Ratio are not date until XX/XX/XXXX. There is no exception in file. | XXX Response: Loan closed within guidelines. Uploading rate sheet from XX/XX/XXXX showing at time loan was approved allowed for XXX% LTV | 06/03/2025 | XXX LTV of XXX% is less than or equal to Guideline LTV of XXX%; Document Uploaded. | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% For DSCR No Ratio, the maximum LTV allowed for a purchase is XXX%. The initial application was completed XX/XX/XXXX. The guidelines that allow for XXX% LTV for DSCR No Ratio are not date until XX/XX/XXXX. There is no exception in file. | XXX Response: Loan closed within guidelines. Uploading rate sheet from XX/XX/XXXX showing at time loan was approved allowed for XXX% LTV | 06/03/2025 | XXX CLTV of XXX% is less than or equal to Guideline CLTV of XXX%; Document Uploaded. | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser, appraisal company, and title/escrow company as verified interested parties. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The Desk Review in file verifies the appraisal date and value; however, the appraisal is not in file. | Client provided attached document in response. | 05/02/2025 | Appraisal is Present or is Waived; | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum LTV for DSCR No Ratio is XXX%. The initial application is dated XX/XX/XXXX; however, the rate sheet that allows XXX% maximum LTV for DSCR No Ratio is dated XX/XX/XXXX. There is no exception in file for this issue. | XXX Response: Loan closed within guidelines. Uploading rate sheet from XX/XX/XXXX showing at time loan was approved allowed for XXX% LTV | 06/05/2025 | XXX CLTV of XXX% is less than or equal to Guideline CLTV of XXX%; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum LTV for DSCR No Ratio is XXX%. The initial application is dated XX/XX/XXXX; however, the rate sheet that allows XXX% maximum LTV for DSCR No Ratio is dated XX/XX/XXXX. There is no exception in file for this issue. | XXX Response: Loan closed within guidelines. Uploading rate sheet from XX/XX/XXXX showing at time loan was approved allowed for XXX% LTV | 06/05/2025 | XXX HLTV of XXX% is less than or equal to Guideline HCLTV of XXX%; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for DSCR No Ratio is XXX%. The initial application is dated XX/XX/XXXX; however, the rate sheet that allows XXX% maximum LTV for DSCR No Ratio is dated XX/XX/XXXX. There is no exception in file for this issue. | XXX Response: Loan closed within guidelines. Uploading rate sheet from XX/XX/XXXX showing at time loan was approved allowed for XXX% LTV | 06/05/2025 | XXX LTV of XXX% is less than or equal to Guideline LTV of XXX%; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1728 | Credit | Missing rent comparable schedule form 1007 | The appraisal is not in file and the XXX rent schedule is not in file. The market rent amount is taken from the Final 1003. | Client provided attached document in response. | 05/02/2025 | Rent schedule form 1007 received and included in appraisal report. Condition cleared.; Document Uploaded. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 700000134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A VOM for the subject mortgage with XXX is in the file. However, a VOM is unacceptable as pay history for the subject property. Provide XXX months cancelled checks (front/back) , or XXX months bank Statements showing payment debited each month. Per GL's XXX | XXX Response: XXX is an identifiable third party and acceptable per GL XXX. They are a major servicer. XXX) Reference condition #XXX. Exception was made to allow 3rd unit to be vacant with LOE and proof listed. These items have been provided. Exception has been noted on UW worksheet. XXX is an identifiable third party and acceptable per GL XXX. They are a major servicer. | 06/05/2025 | Housing History Meets Guideline Requirements; Determination on whether a Servicer is considered an identifiable third party is at XXX's sole discretion per guidelines. Per rebuttal, XXX considers XXX as an identifiable third party. Housing History Meets Guideline Requirements. Condition resolved.; Document Uploaded. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in XXX and XXX. The borrowing entity is XXX. Provide a deed removing XXX from title. Per GL's XXX | Client provided attached document in response. | 06/11/2025 | Property Title Issue Resolved; Document Uploaded. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent and underwriter with the Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is a XXX unit property. The appraisal photos shows the XXX units are empty. There are XXX leases in the file. Provide the signed lease for the 3rd unit. Vacant properties are not permitted on refinances. Per XXX | XXX Response: Uploading updated ULAW with comp factors and uploading LOE and proof listed. Reference condition #XXX. Exception was made to allow 3rd unit to be vacant with LOE and proof listed. These items have been provided. Exception has been noted on UW worksheet. | 06/05/2025 | Lender Exception to allow 3rd unit to be vacant approved by XXX.; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. The minimum DSCR for deficient tradelines is XXX. | XXX Response: Priced accordingly for XXX DSCR. Deficient trades isn't a factor as bor has XXX fico scores | 06/05/2025 | Additional information provided; exception resolved | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for deficient tradelines is XXX%. | Deficient trades isn't a factor as bor has XXX fico scores. XXX% is within guides | 06/06/2025 | Additional information provided; exception resolved | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for deficient tradelines is XXX%. | XXX Response: Deficient trades isn't a factor as bor has XXX fico scores. XXX% is within guides | 06/05/2025 | Additional information provided; exception resolved | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for deficient tradelines is XXX%. | XXX Response: Deficient trades isn't a factor as bor has XXX fico scores. XXX% is within guides | 06/05/2025 | Additional information provided; exception resolved | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. The borrower credit depth is insufficient; XXX tradelines; XXX months, XXX months, XXX months and XXX months. Per GL's XXX | XXX Response: Minimum credit depth is met with borrowers XXX reported FICO scores. Uploading credit report showing XXX reported FICO scores | 06/05/2025 | Document uploaded; finding resolved | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The borrower does not meet the minimum credit depth requirements. A XXX month housing history is required. The Loan Application shows XXX as primary address for XXX years. The property report shows the borrower purchased the property XX/XX/XXXX. Provide a VOR from a rental management company or cancelled checks from XX/XX/XXXX - XX/XX/XXXX. Per GL's XXX | XXX Response: Uploading updated ULAW with comp factors. | 06/05/2025 | Lender Exception to waive missing months for VOR approved by XXX.; Housing History Does Not Meet Guideline Requirements; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 700000136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, escrow officer and underwriter with the Exclusionary lists. |  |  | Updated fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The subject is in a condominium. Provide competed HOA Cert or standard HOA questionnaire. | Client provided attached documentation in response. | 06/10/2025 | HOA Questionnaire Provided; Document Uploaded. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Home Equity Line of Credit for the primary residence with XXX #XXX was opened XX/XX/XXXX and reported for XXX months. Provide the most recent XXX months payment history for XXX #XXX. Per GL's XXX | Client provided attached documentation in response. | 06/10/2025 | Lender Exception to waive rating on primary residence HELOC approved by XXX.; Document Uploaded. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing A Written VOE shows the borrowers base and bonus income from XXX, XXX and year to date. Provide the most recent paystub. Per GL's V. Income Documentation Chart - Wage Earner & Bonus | XXX Response: Borrower is a XXX. Per guidelines section XXX and ITIN borrower is considered full doc with a WVOE and bank Statement which are in file. Borrower is a XXX. Per guidelines section XXX and ITIN borrower is considered full doc with a WVOE and bank Statement. Uploading WVOE and bank Statement | 06/05/2025 | ITIN Borrower- WVOE and most recent bank Statement supporting direct deposit in file and meets guidelines, additional pay stub not required. Condition rescinded.; Document Uploaded. ; Document Uploaded. ; | 06/06/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The credit report shows a mortgage with XXX #XXX with a monthly payment of $XXX. Provide a recent mortgage Statement to verify tax and insurance are included in the payment. Per GL's XXX | XXX Response: Mortgage Statement for XXX Bank is on file and reflects established escrow account. Uploading Mortgage Statement for XXX Bank reflecting impounds | 06/05/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The earnest money deposit check for $XXX is in the file. Provide the certified escrow deposit receipt. Per GL's XXX | XXX Response: Escrow deposit receipt is on file. | 06/05/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1479 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. A printout from XXX #XXX shows $XXX transferred to the borrowers XXX account XXX on XX/XX/XXXX. Provide evidence XXX #XXX is in the borrowers name with the most recent bank Statement or VOD. Per GL's XXX | XXX Response: Uploading XX/XX/XXXX Statement for XXX #XXX | 06/05/2025 | Asset Record XXX Meets G/L Requirements; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/02/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/02/2025 | is Greater than the Guideline Minimum - 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% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **BARC Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 700000002 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000003 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000004 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000005 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000006 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000007 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000008 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000009 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000010 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000011 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000012 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000013 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000014 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000015 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000016 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000017 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000018 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000019 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000020 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000021 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000022 | XXXXX |  | $XXXXXX A B | A | A | A | A | A B | A | A | A | A | A B |
| 700000023 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000024 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000025 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000026 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000027 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000028 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000029 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000030 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000031 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000032 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000033 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000034 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000035 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000036 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000037 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000038 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000039 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 700000040 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000041 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000042 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000043 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000044 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000045 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000046 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000047 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000048 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000049 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000050 | XXXXX |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A B |
| 700000051 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000052 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000053 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000054 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000055 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000056 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000057 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000058 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000059 | XXXXX |  | $XXXXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 700000060 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000061 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000062 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000063 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000064 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000065 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000066 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 700000067 | XXXXX |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A B |
| 700000068 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000069 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | B | B | B | B | B A |
| 700000070 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | B | B | B | B | B A |
| 700000071 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000072 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000073 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000074 | XXXXX |  | $XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 700000075 | XXXXX |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 700000076 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000077 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000078 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 700000079 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000080 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000081 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 700000082 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000083 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 700000084 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000085 | XXXXX |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 700000086 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000087 | XXXXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 700000088 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 700000089 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000090 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 700000091 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 700000092 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000093 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000094 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000095 | XXXXX |  | $XXXXXX A | A | A | A | A | A B | A | A | A | A | A |
| 700000096 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000097 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000098 | XXXXX |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 700000099 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000100 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000101 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000102 | XXXXX |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 700000103 | XXXXX |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 700000104 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000105 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000106 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000107 | XXXXX |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 700000108 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000109 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000110 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000111 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000112 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 700000113 | XXXXX |  | $XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 700000114 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 700000115 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000116 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000117 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000118 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000119 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000120 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000121 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 700000122 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 700000123 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000124 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000125 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000126 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000127 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000128 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000129 | XXXXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 700000130 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000131 | XXXXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 700000132 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 700000133 | XXXXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 700000134 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A B |
| 700000135 | XXXXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 700000136 | XXXXX |  | $XXXXXX C | A | A | A | A | A D B | A | A | A | A | A B |
| 700000137 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **BARC 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** |
| 700000002 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 65.22 | 65.22 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000003 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000004 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 700000005 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.95 | 69.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 700000006 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000007 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000008 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000009 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70 | 70 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.93 | 69.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000011 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.99 | 64.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000012 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000013 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000014 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50 | 50 |  |  |  |  | $XXX | $XXX | -.0154 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0154 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 700000016 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000017 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 700000018 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 700000020 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000021 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000022 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000023 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 700000024 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000025 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000026 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60 | 60 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000027 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 54.92 | 54.92 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000028 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 700000029 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.54 | 63.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000030 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.96 | 67.96 | $XXX | $XXX | -.1845 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.184 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000031 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.99 | 64.99 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 700000032 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000033 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000034 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000035 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 700000036 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000037 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000038 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 700000039 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000040 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000041 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 47.39 | 47.39 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000042 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000044 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 700000045 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 700000046 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 50 | 50 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000047 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000048 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000049 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.99 | 64.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000050 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 700000051 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 52.29 | 52.29 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000052 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.67 | 37.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 700000053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 700000054 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 700000055 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50 | 50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000056 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000057 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.68 | 48.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000058 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60 | 60 | $XXX | $XXX | .0556 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0556 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 700000059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 700000060 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000061 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 700000062 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 700000063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000064 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000065 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0035 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 700000066 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000067 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.99 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 700000068 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.77 | 69.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 700000069 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.97 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000070 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.98 | 56.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000071 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.33 | 72.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000072 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 700000073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000074 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.86 | 58.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 700000075 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 700000076 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000077 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.59 | 61.59 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000078 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.94 | 65.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000079 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000080 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 700000081 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.44 | 49.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000082 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000083 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.93 | 52.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000084 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 700000085 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90 | 90 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 700000086 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000087 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.38 | 65.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 700000088 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 700000089 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.29 | 53.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000090 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.48 | 43.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000091 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 700000092 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000093 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 700000094 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 700000095 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 700000096 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000097 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60 | 60 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 700000098 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000099 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.1 | 59.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000100 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 700000101 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.63 | 52.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 700000102 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000103 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 700000104 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 700000105 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000106 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50 | 50 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 700000107 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.05 | 54.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 700000108 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.19% | 64.19% | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000109 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |
| 700000110 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |
| 700000111 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 2.6 |  |  |  |  |
| 700000112 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.25 | 57.25 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 1.3 |  |  |  |  |
| 700000113 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14 | 14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 700000114 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70 | 70 | $XXX | $XXX | -.2327 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.233 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000115 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 700000116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0029 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0029 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 700000117 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000118 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 700000120 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000121 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.28 | 66.28 | $XXX | $XXX | -.1163 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1163 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |
| 700000122 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000123 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000124 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.93 | 69.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 700000125 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 73.7 | 73.7 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000126 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 700000127 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000128 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.28 | 68.28 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 700000129 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 700000130 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.45 | 45.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 700000131 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 45.28 | 45.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 700000132 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 700000133 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 700000134 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 66.25 | 66.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000135 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 700000136 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 15.79 | 15.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 700000137 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**NARRATIVE**

**BARC 2025-NQM4**

**By Canopy Financial Technology Partners LLC on July 02, 2025**

Canopy Financial Technology Partners LLC

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

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

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

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

![](ex99-3_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Sutton Funding LLC (the "Client") or its affiliated company. The Review was conducted during September 2024 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) loan with an aggregate principal balance of $248,500.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Kroll Bond Rating Agency, LLC and S&P Global Ratings.

**Data Integrity**

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

---

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

---

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

![](ex99-3_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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![](ex99-3_001.jpg)

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

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![](ex99-3_001.jpg)

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

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

![](ex99-3_001.jpg)

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

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

![](ex99-3_001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID
Grid 4.0");

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

![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

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

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

![](ex99-3_001.jpg)

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440;
232-455; 2-92-325; 4-4-155; 8-4-325.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**QUALIFIED MORTGAGE (QM)** 

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

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

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

Ability to Repay (ATR)

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

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

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

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**Valuation Review**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

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

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

---

---

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

---

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

---

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

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (1 loan) has an overall grade of "B" and 0.00% (0 loans) has an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 100.00%, or one (1) mortgage loan reviewed, and 0.00% (0 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (1 loan) has a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (1 loan) has a Property/Valuation grade of "A".

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

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**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248500 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248500.00** |

---

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** **Original Balance** | &nbsp;&nbsp;**% of Loans** **Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248500.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248500.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** **Original Balance** | &nbsp;&nbsp;**% of Loans** **Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248500.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248500.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** **Original Balance** | &nbsp;&nbsp;**% of Loans** **Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248500.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248500.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$248500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$248500.00** |

---

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

![](ex99-3_001.jpg)

**DATA COMPARISON RESULTS**

Of the one (1) loan file reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancies across zero (0) data fields.

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 165947 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

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

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 165947 |  | B A | Closed | xxx | 2024-09-19 10:49 | 2024-09-19 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Rent free letter - Due Diligence Vendor-09/19/2024 |  | Waived-Housing History Does Not Meet Guideline Requirements Rent free letter - Due Diligence Vendor-09/19/2024<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Borrower putting 30% down, borrower has a prior mortgage on credit and has only been living rent free for the past month. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase NA | Originator Pre-Close | Yes | xxx |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 165947 |  |  | xxx B A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 165947 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**BARC 2025-NQM4**

**By Clarifii LLC on July 2, 2025**

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 1

![](ex99-4_001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 88 loans (the "Loans") and these loans were subsequently acquired by Sutton Funding LLC the "Client") for the BARC 2025-NQM4 transaction. The loans referenced in this narrative report were reviewed 09/2024 through 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.27% | &nbsp;&nbsp;$832500.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;8 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$3997580.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;78 | &nbsp;&nbsp;88.64% | &nbsp;&nbsp;$59196417.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64026497.00** |

---

The Review consisted of a population of 88 loans, with an aggregate principal balance of $64,026,497.00.

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

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

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

**LOAN SAMPLING**

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

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 2

![](ex99-4_001.jpg)

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |

---

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 3

![](ex99-4_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |

---

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 4

![](ex99-4_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

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

- Assets and Reserves

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 5

![](ex99-4_001.jpg)

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

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

- Tax returns

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 6

![](ex99-4_001.jpg)

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 7

![](ex99-4_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 8

![](ex99-4_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 9

![](ex99-4_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

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

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

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

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

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**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

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

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

**VALUATION REVIEW**

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance**<br> **to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of**<br> **OA or Acceptable**<br> **UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;67.05% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;29 | &nbsp;&nbsp;32.95% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;68.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;31.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;87 | &nbsp;&nbsp;98.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

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**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.68% | &nbsp;&nbsp;$1846250.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;83 | &nbsp;&nbsp;94.32% | &nbsp;&nbsp;$62180247.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64026497.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;32 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;$28558562.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;56 | &nbsp;&nbsp;63.64% | &nbsp;&nbsp;$35467935.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64026497.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;42 | &nbsp;&nbsp;47.73% | &nbsp;&nbsp;$36637250.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;46 | &nbsp;&nbsp;52.27% | &nbsp;&nbsp;$27389247.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64026497.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64026497.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64026497.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.27% | &nbsp;&nbsp;$1212000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;86 | &nbsp;&nbsp;97.73% | &nbsp;&nbsp;$62814497.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64026497.00** |

---

**DATA COMPARE RESULTS**

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

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 19

![](ex99-4_001.jpg)

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;86 | &nbsp;&nbsp;82.56% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;86 | &nbsp;&nbsp;98.84% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;5 | &nbsp;&nbsp;78 | &nbsp;&nbsp;93.59% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% |

---

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 20

![](ex99-4_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;78 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;78 | &nbsp;&nbsp;78.21% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;78 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;5 | &nbsp;&nbsp;14 | &nbsp;&nbsp;64.29% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;64 | &nbsp;&nbsp;78 | &nbsp;&nbsp;17.95% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |

---

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 21

![](ex99-4_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;86 | &nbsp;&nbsp;98.84% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;78 | &nbsp;&nbsp;89.74% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;78 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;86 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;10 | &nbsp;&nbsp;78 | &nbsp;&nbsp;87.18% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;87 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;3 | &nbsp;&nbsp;86 | &nbsp;&nbsp;96.51% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

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

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 22

![](ex99-4_001.jpg)

**Disclaimer**

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

 

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

 

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

 

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

 

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

Barc 2025-NQM4 Due Diligence Narrative Report – PagE \| 23

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 396703 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7808 | 7.408 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9190.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 458088 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 61445.08 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 517551 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 11135 | 9.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4369.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 523615 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 525025 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 15596.25 | 8.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5062.24 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 531801 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 24499.55 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 532081 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 532104 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 533827 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 538037 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 538069 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 545638 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 546818 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 566480 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 594352 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 594734 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 595489 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 610924 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 50479.8 | 8.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 167572.57 | Yes | Employed |  | No |  | No |  |
| XXXX | 613022 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7123 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6813.45 | Yes | Employed |  | No |  | No |  |
| XXXX | 614888 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10035 | 8.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15176.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 619513 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 13899.03 | 8.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10459.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 620700 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9395 | 7.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6404.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 620887 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 35168.75 | 7.668 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 93912.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 620907 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9019 | 7.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5998.44 | Yes | Employed |  | No |  | No |  |
| XXXX | 620910 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 621441 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 621515 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 622784 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 622798 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 119975 | 8.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67317.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 622817 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 31870.26 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 622945 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 622949 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 622979 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 623023 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 13795 | 8.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12789.38 | Yes | Employed |  | No |  | No |  |
| XXXX | 623943 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21583.75 | 8.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13382.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 624482 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 218096.12 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 624752 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7935.38 | 9.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6949.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 624753 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 21725 | 9.059 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11487.11 | Yes | Employed |  | No |  | No |  |
| XXXX | 624754 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 624768 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 624785 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 626473 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | No | 26467.55 | 9.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32764.06 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 626505 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 34287.5 | 8.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23364.46 | N/A | Employed |  | No |  | No |  |
| XXXX | 627170 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 43886.58 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 628263 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 628459 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 630309 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 36035.83 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 630675 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3600 | 8.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15004.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 630923 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 631016 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | Yes | 26225 | 7.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19359.09 | Yes | Employed |  | No |  | No |  |
| XXXX | 631626 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 23656.08 | 8.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15633.86 | Yes | Employed |  | No |  | No |  |
| XXXX | 632186 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 65850.76 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 632198 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33370.81 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 632205 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 632215 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 632247 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 20955.49 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 632261 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 632264 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17475 | 7.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7335.79 | Yes | Employed |  | No |  | No |  |
| XXXX | 632266 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15825 | 7.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9182.94 | Yes | Employed |  | No |  | No |  |
| XXXX | 632267 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 11350.25 | 9.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7176.13 | N/A | Employed |  | No |  | No |  |
| XXXX | 632269 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15275 | 7.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23484.29 | N/A | Employed |  | No |  | No |  |
| XXXX | 632271 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7494.65 | 10.565 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6824.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 632292 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 33031.25 | 8.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26618.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 632293 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 632295 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 632372 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 633046 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7873.4 | 7.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21573.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 633655 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 53561.18 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 634252 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 18912.33 | 9.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17169.89 | Yes | Employed |  | No |  | No |  |
| XXXX | 635677 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 635948 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 635958 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14124 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 207358.51 | N/A | Employed |  | No |  | No |  |
| XXXX | 637197 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 637200 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 637205 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 637215 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 638768 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 639011 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 639110 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 15245.99 | 8.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6639.42 | Yes | Employed |  | No |  | No |  |
| XXXX | 639117 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 640342 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 640819 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 45130.25 | 8.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32478.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 641839 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 645704 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 648618 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 648680 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23350 | 7.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 25360.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 651036 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 14429.7 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 654657 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 517551 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 517551 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 523615 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 523615 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 41643.19 | DSCR |
| XXXX | 525025 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 531801 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 0.17 | 2 | Per 1003 |
| XXXX | 532081 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | 532081 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 533827 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | 533827 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 538037 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 538037 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 5 | 6 | Per Final 1003 |
| XXXX | 538069 | XXXX | XXXX | Borrower 1 How was title held? | the1003Page | Individually | Jointly | Per Final 1003 |
| XXXX | 538069 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 6.83 | 82 | Per Final 1003 |
| XXXX | 538069 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 538069 | XXXX | XXXX | B1 Country Name | the1003Page | United States | XXXX | Per Final 1003 |
| XXXX | 545638 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 2 | Per 1003 |
| XXXX | 566480 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 566480 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal. |
| XXXX | 594352 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 594352 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 595489 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 595489 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 751.17 | No DTI / DSCR Loan |
| XXXX | 610924 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 613022 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 613022 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per pccd |
| XXXX | 614888 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 619513 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 619513 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 620700 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per 1003 |
| XXXX | 620700 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 620700 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 620887 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 620887 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | From appraisal report dated |
| XXXX | 620907 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 620910 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 620910 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per UW attestation on 1008 non warrantable, all phases are not completed |
| XXXX | 620910 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | 621441 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 621515 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per 1003 |
| XXXX | 621515 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 621515 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 473.96 | DSCR Loan |
| XXXX | 622784 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 73.60 | DSCR no DTI |
| XXXX | 622798 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 622798 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 622817 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 622945 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 622945 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 622945 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | per condo questionnaire |
| XXXX | 622945 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and loan docs, B1 B2 are foreign nationals. |
| XXXX | 622945 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and loan docs, B1 B2 are foreign nationals. |
| XXXX | 622949 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 622949 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 15163.20 | DSCR loan DTI is N/A |
| XXXX | 622979 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 622979 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 622979 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 623023 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 623943 | XXXX | XXXX | Number of Units | propertyValuationPage | 1 | 2 | Per appraisal; SFR with ADU |
| XXXX | 624482 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 624482 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 624482 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 624482 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Using secondary appraised value in qualifying. |
| XXXX | 624752 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 624753 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 624768 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 624768 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 624768 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.125 | 1.046 | audit DSCR match with lender 1008 |
| XXXX | 624785 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 624785 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Non-Warrantable Condo per audit |
| XXXX | 626473 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 626473 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | 626505 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 626505 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | 627170 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 627170 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionnaire and appraisal |
| XXXX | 627170 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.82 | 33.39 | Lender did not qualify at correct start rate |
| XXXX | 628459 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 628459 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 630309 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 630309 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.05 | 28.43 | Lender had higher liabilities |
| XXXX | 630675 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 630923 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 630923 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As Per CD |
| XXXX | 630923 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 630923 | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | No HOA per appraisal |
| XXXX | 630923 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.274 | 1.215 | HOI premium |
| XXXX | 631016 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632186 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 632186 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 632186 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Questionnaire and Appraisal |
| XXXX | 632198 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632205 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 632205 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 12557.09 | DSCR loan DTI is not applicable |
| XXXX | 632215 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632215 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 632247 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 632247 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 632247 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| XXXX | 632247 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.73 | 16.61 | Audit finds that Lender used 12 months calculation on Bank Stmt Worksheet vs 24 months |
| XXXX | 632261 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632264 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632266 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632266 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 632267 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 632267 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Final 1003 |
| XXXX | 632267 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | From appraisal report |
| XXXX | 632269 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 632269 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 632271 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 632271 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 632292 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632293 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 632293 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 632293 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 632295 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 632372 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 633046 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 633655 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 633655 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 635677 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 635677 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal. |
| XXXX | 635677 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Condo Questionnaire and Guidellines |
| XXXX | 635677 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 635677 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship docs |
| XXXX | 635948 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 635948 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 635948 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign National per Loan Docs. |
| XXXX | 637200 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 637200 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 Initial |
| XXXX | 637200 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 637200 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 637215 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Subject is a 3 Unit per Appraisal |
| XXXX | 638768 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 638768 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal 4 units |
| XXXX | 638768 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 98530.92 | DSCR loan |
| XXXX | 639110 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 639117 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 639117 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | 639117 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 639117 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 820 | 804 | Lender used credit score from credit report after closing |
| XXXX | 640342 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed Note in file |
| XXXX | 640342 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per DOT in file |
| XXXX | 640819 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 640819 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 641839 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 641839 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per questions answered on Condo Questionnaire |
| XXXX | 641839 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 |
| XXXX | 641839 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per docs in file |
| XXXX | 645704 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 645704 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 645704 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship docs |
| XXXX | 648618 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 648618 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Audit of Appraisal and Condo docs |
| XXXX | 651036 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 651036 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 396703 | XXXX D A C | Closed | FCRE1506 | 2024-09-20 10:41 | 2024-09-24 14:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. CPA Letter provided. - Due Diligence Vendor-09/24/2024 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2024 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Misisng business ownership % for income. - Due Diligence Vendor-09/20/2024 | Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2024<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. CPA Letter provided. - Due Diligence Vendor-09/24/2024<br>| LTV is less than guideline maximum - LTV is 68.46 vs program max of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 vs program min required of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2417702 |
| XXXX | 396703 | XXXX D A C | Closed | FCRE9995 | 2024-09-20 10:35 | 2024-09-24 14:09 | Resolved | 1 - Information C A | Credit | Income/Employment | Business Narrative Missing or has issues | Resolved-Business narrative has been provided. - Due Diligence Vendor-09/24/2024 <br>Ready for Review-see attached - Seller-09/23/2024 <br>Ready for Review-Document Uploaded. Please see attached Letter from the borrower providing a narrative of the business. - Seller-09/23/2024 <br>Open-Missing business narrative - Due Diligence Vendor-09/20/2024 | Ready for Review-see attached - Seller-09/23/2024 <br>Ready for Review-Document Uploaded. Please see attached Letter from the borrower providing a narrative of the business. - Seller-09/23/2024<br>| Resolved-Business narrative has been provided. - Due Diligence Vendor-09/24/2024<br>| LTV is less than guideline maximum - LTV is 68.46 vs program max of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 vs program min required of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2417633 |
| XXXX | 396703 | XXXX D A C | Closed | FCRE1325 | 2024-09-20 10:39 | 2024-09-24 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter provided. - Due Diligence Vendor-09/24/2024 <br> Ready for Review-see attached - Seller-09/23/2024 <br> Ready for Review-Document Uploaded. Please see attached CPA Letter providing the borrower's Percentage of ownership - Seller-09/23/2024 <br> Open-Borrower 1 CPA Letter Missing CPA Letter in file does not states borrower business ownership percentage. Provide updated letter or other form of documentation. - Due Diligence Vendor-09/20/2024 | Ready for Review-see attached - Seller-09/23/2024 <br>Ready for Review-Document Uploaded. Please see attached CPA Letter providing the borrower's Percentage of ownership - Seller-09/23/2024<br>| Resolved-Borrower 1 CPA Letter provided. - Due Diligence Vendor-09/24/2024<br>| LTV is less than guideline maximum - LTV is 68.46 vs program max of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 vs program min required of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2417674 |
| XXXX | 396703 | XXXX D A C | Closed | finding-3634 | 2024-09-13 11:29 | 2024-09-20 10:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by $86.00 (Appraisal Reinspection, and Tax Service Fees) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $86.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX. - Final CD reflects a lender credit for $186.00. Finding Resolved - Due Diligence Vendor-09/20/2024 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $86.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $86.00 (Appraisal Reinspection, and Tax Service Fees) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $86.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX. - Final CD reflects a lender credit for $186.00. Finding Resolved - Due Diligence Vendor-09/13/2024 |  | Resolved-Zero (0%) tolerance fees increased by $86.00 (Appraisal Reinspection, and Tax Service Fees) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $86.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX. - Final CD reflects a lender credit for $186.00. Finding Resolved - Due Diligence Vendor-09/20/2024 | LTV is less than guideline maximum - LTV is 68.46 vs program max of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 vs program min required of 660 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2370307 |
| XXXX | 458088 | XXXX D B A | Closed | FCRE1197 | 2024-12-06 12:26 | 2025-06-23 15:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 726 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-12/09/2024 <br>Ready for Review-Document Uploaded. Thank you for pointing out the gap between Cake's current Matrix and the Investor's Matrix. We are in process of getting our new Matrix's reviewed for approval and will be lined up with our investors. Please see attached Matrix which supports the max LTV for an Investment Cash-out Loan with a 726 FICO is 80%. The minimum FICO to go above 75% is 700. - Seller-12/09/2024 <br>Open-Audited FICO of 726 is less than Guideline FICO of 740 Per Matrix, if LTV is greater than 75%, minimum FICO is 740 - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. Thank you for pointing out the gap between XXXX current Matrix and the Investor's Matrix. We are in process of getting our new Matrix's reviewed for approval and will be lined up with our investors. Please see attached Matrix which supports the max LTV for an Investment Cash-out Loan with a 726 FICO is 80%. The minimum FICO to go above 75% is 700. - Seller-12/09/2024 | Resolved-Audited XXXX of 726 is greater than or equal to Guideline XXXX of 700 - Due Diligence Vendor-12/09/2024 | Months Reserves exceed minimum required - Minimum Reserve Required is 3, borrower has 5.22<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 34.92% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2950736 |
| XXXX | 458088 | XXXX D B A | Closed | FCRE1440 | 2024-12-06 12:51 | 2024-12-09 10:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Private mortgage requires proof of payments<br> originator exception granted and in file, waiver applied with comp factors. <br> - Due Diligence Vendor-12/09/2024 <br>Open-Private mortgage requires proof of payments - Due Diligence Vendor-12/09/2024 |  | Waived-Private mortgage requires proof of payments<br> originator exception granted and in file, waiver applied with comp factors. <br> - Due Diligence Vendor-12/09/2024<br>| Months Reserves exceed minimum required - Minimum Reserve Required is 3, borrower has 5.22<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 34.92% | Employment history exceeds guidelines and FICO score is at least 20 points above minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 2951071 |
| XXXX | 458088 | XXXX D B A | Closed | FCRE5782 | 2024-12-06 12:14 | 2024-12-09 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/09/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP Credit dated within 10 days of Note date - Due Diligence Vendor-12/06/2024 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/09/2024<br>| Months Reserves exceed minimum required - Minimum Reserve Required is 3, borrower has 5.22<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 34.92% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2950532 |
| XXXX | 517551 | XXXX C A | Closed | FCRE1437 | 2025-02-12 08:38 | 2025-04-10 17:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-PTIN letter confirms 2 years of self-employment - Due Diligence Vendor-04/10/2025 <br>Ready for Review-We kindly disagree. We note that the CPA states they have reviewed the 2023 Tax Returns along with the current working papers supporting the CPA verified a minimum of 2 years of Financials. Although it is not specifically stated, it is implied by the CPA stating they have reviewed all working papers and the 2023 Tax Returns, which would cover a minimum of 2 years. - Seller-04/10/2025 <br>Open-Income and Employment Do Not Meet Guidelines PTIN Letter does not confirm how long borrower has been self employed. - Due Diligence Vendor-02/12/2025 | Ready for Review-We kindly disagree. We note that the CPA states they have reviewed the 2023 Tax Returns along with the current working papers supporting the CPA verified a minimum of 2 years of Financials. Although it is not specifically stated, it is implied by the CPA stating they have reviewed all working papers and the 2023 Tax Returns, which would cover a minimum of 2 years. - Seller-04/10/2025<br>| Resolved-PTIN letter confirms 2 years of self-employment - Due Diligence Vendor-04/10/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 43.21%<br>Months Reserves exceed minimum required - Reserves req'd 6 mths- Borrower has 21.08mths |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3405287 |
| XXXX | 517551 | XXXX C A | Closed | FCOM4283 | 2025-02-12 09:11 | 2025-04-03 14:34 | Resolved | 1 - Information C A | Credit | Closing | Missing Deed of Trust | Resolved-Legal Description on both documents is correct - Due Diligence Vendor-04/03/2025 <br>Open-Deed of Trust is missing "Street", as per Title. - Due Diligence Vendor-02/12/2025 |  | Resolved-Legal Description on both documents is correct - Due Diligence Vendor-04/03/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 43.21%<br>Months Reserves exceed minimum required - Reserves req'd 6 mths- Borrower has 21.08mths |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3405565 |
| XXXX | 517551 | XXXX C A | Closed | FCOM3715 | 2025-02-12 09:11 | 2025-04-03 14:33 | Resolved | 1 - Information C A | Compliance | Disclosure | Note terms are incorrect | Resolved-Legal Description on both documents is correct. - Due Diligence Vendor-04/03/2025 <br>Open-Note is missing "Street", as per Title. - Due Diligence Vendor-02/12/2025 |  | Resolved-Legal Description on both documents is correct. - Due Diligence Vendor-04/03/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 43.21%<br>Months Reserves exceed minimum required - Reserves req'd 6 mths- Borrower has 21.08mths |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3405559 |
| XXXX | 523615 | XXXX C A | Closed | FCRE1440 | 2025-02-19 07:40 | 2025-03-11 08:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-FTHB guides on page 12 in both the XXXX and XXXX guides allow for a FTHB to 70%. DSCR must be over 1 and a rent free letter is required. - Due Diligence Vendor-03/11/2025 <br> Counter-Per guidelines dated XXXX state rent free is acceptable provided the borrower owns other REOs with acceptable mortgage financing history. Borrower is a FTHB. finding remains. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Please note that per the communication sent by XXXX on XXXX; XXXX, effective XXXX, is to be used for loans with Application Dates dated on/after XXXX, not off the lock date. Since our application is dated XXXX; the guidelines prior to XXXX would be used. As such, we reiterate that Section 4.2, A FTHB living rent free is eligible for the DSCR Program; and, per section 6.9; there is no requirement as to who the borrower can live with if currently rent free, and ask that this condition be cleared. - Seller-02/28/2025 <br> Counter-Approval dated XXXX and LE dated XXXX confirming not locked support Guidelines dated XXXX for audit. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-We kindly disagree; please note that the loan application was dated XXXX; therefore, loan would have been qualified under the XXXX Guide issued XXXX. We note that Section 4.2, A FTHB living rent free is eligible for the DSCR Program; and, per section 6.9; there is no requirement as to who the borrower can live with if currently rent free. The guideline requirement being referenced would apply for loans with application dates after XXXX. We ask that this condition be cleared. - Seller-02/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrowers living rent free with their spouse are acceptable. The Rent Free Letter provided states that the borrower is the nephew of the person he lives rent free with. - Due Diligence Vendor-02/19/2025 | Ready for Review-Please note that per the communication sent by XXXX on 01/22/2025; XXXX Guide, effective XXXX, is to be used for loans with Application Dates dated on/after XXXX, not off the lock date. Since our application is dated XXXX; the guidelines prior to XXXX would be used. As such, we reiterate that Section 4.2, A FTHB living rent free is eligible for the DSCR Program; and, per section 6.9; there is no requirement as to who the borrower can live with if currently rent free, and ask that this condition be cleared. - Seller-02/28/2025 <br> Ready for Review-We kindly disagree; please note that the loan application was dated XXXX; therefore, loan would have been qualified under the XXXX Guide issued XXXX. We note that Section 4.2, A FTHB living rent free is eligible for the DSCR Program; and, per section 6.9; there is no requirement as to who the borrower can live with if currently rent free. The guideline requirement being referenced would apply for loans with application dates after XXXX. We ask that this condition be cleared. - Seller-02/21/2025 | Resolved-FTHB guides on page 12 in both the XXXX and XXXX guides allow for a FTHB to 70%. DSCR must be over 1 and a rent free letter is required. - Due Diligence Vendor-03/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 694<br>Months Reserves exceed minimum required - Reserves required 3 mths- Borrower has 7.32 mths |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3444561 |
| XXXX | 525025 | XXXX C A | Closed | FCRE1371 | 2025-02-20 13:55 | 2025-03-17 12:32 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Personal Bank Statements Less Than 12 Months Provided | Resolved-Income from personal statements was calculated utilizing one account from XXXX-XXXX and another account from XXXX-XXXX. Both borrower's are SE and the deposits were split between both borrowers. Confirmed no deposits were included for both borrower's and the transfer of funds when closing one account and opening the other were also not included. - Due Diligence Vendor-03/17/2025 <br> Counter-Received duplicate income calculation worksheet-finding remains. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please see attached income calc's for B2. - Seller-03/11/2025 <br> Counter-File contains only 9 months bank statements for account XXXX- for Co Borrower's income (XXXX).Missing the additional 3 bank statements. In addition, since it is a joint account, attestation in writing from both borrowers to the income belonging to the co borrower is needed per guidelines. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-We understand there is a combined statement used to calculate the self employed income for both borrower's; however, there are 2 separate income calculators, each with the respective deposits excluded from the calculation. XXXX guide does not speak to the borrower's having to have a separate account for each business, it requires that the income be calculated from the deposits pertaining to the business, which the underwriter accomplished by completing separate income calculators and only using the deposits pertaining to each business. - Seller-02/28/2025 <br> Counter-Provide complete 12 months personal or business bank statements supporting qualifying income for B2-include income calculation worksheet. Note-joint income deposits into personal bank account is not eligible as unable to determine allocation. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Please note that per section 7.1 of the XXXX Alt Doc Guide, If an account has been moved to a different Bank and is shown to be one and the same, that will be acceptable. We further note that Acct# XXXX was opened on XXXX with a XXXX deposit from acct# XXXX supporting that Acct# XXXX was a continuation of acct# XXXX which would be allowed per program guidelines. We ask that this condition be cleared. - Seller-02/24/2025 <br> Open-Received 9 mos of bank statements for B2. 12 mos required. Provide additional 3 mos of bank statements for account ending in XXXX (last statement received XXXX). Income to be recalculated and additional conditions may apply. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Please see attached income calc's for B2. - Seller-03/11/2025 <br> Ready for Review-We understand there is a combined statement used to calculate the self employed income for both borrower's; however, there are 2 separate income calculators, each with the respective deposits excluded from the calculation. XXXX guide does not speak to the borrower's having to have a separate account for each business, it requires that the income be calculated from the deposits pertaining to the business, which the underwriter accomplished by completing separate income calculators and only using the deposits pertaining to each business. - Seller-02/28/2025 <br> Ready for Review-Please note that per section 7.1 of the XXXX Guide, If an account has been moved to a different Bank and is shown to be one and the same, that will be acceptable. We further note that Acct# XXXXwas opened on XXXX with a XXXX deposit from acct#XXXX supporting that Acct#XXXX was a continuation of acct#XXXX which would be allowed per program guidelines. We ask that this condition be cleared. - Seller-02/24/2025 | Resolved-Income from personal statements was calculated utilizing one account from XXXX and another account from XXXX. Both borrower's are SE and the deposits were split between both borrowers. Confirmed no deposits were included for both borrower's and the transfer of funds when closing one account and opening the other were also not included. - Due Diligence Vendor-03/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - 695 FICO; 660 required<br>LTV is less than guideline maximum - 65% LTV; 70% max allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3456102 |
| XXXX | 525025 | XXXX C A | Closed | FCRE1341 | 2025-02-20 13:52 | 2025-03-17 12:32 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Bank Statements Less Than 12 Months Provided | Resolved-Income from personal statements was calculated utilizing one account from XXXXand another account from XXXX. Both borrower's are SE and the deposits were split between both borrowers. Confirmed no deposits were included for both borrower's and the transfer of funds when closing one account and opening the other were also not included. - Due Diligence Vendor-03/17/2025 <br> Counter-Received duplicate income calculation worksheet-finding remains. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please see attached income calc's for B1. - Seller-03/11/2025 <br> Counter-File contains only 3 months bank statements for account XXXX- for Borrower's income (XXXX).Missing the additional 9 bank statements. In addition, since it is a joint account, attestation in writing from both borrowers to the income belonging to the borrower is needed per guidelines. - Due Diligence Vendor-02/28/2025 <br> Counter-Provide complete 12 months personal or business bank statements supporting qualifying income for B1-include income calculation worksheet. Note-joint income deposits into personal bank account is not eligible as unable to determine allocation. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Please note that per section 7.1 of the XXXX Alt Doc Guide, If an account has been moved to a different Bank and is shown to be one and the same, that will be acceptable. We further note that Acct# XXXX was opened on XXXX with a XXXX deposit from acct# XXXXsupporting that Acct# XXXX was a continuation of acct# XXXX which would be allowed per program guidelines. We ask that this condition be cleared. - Seller-02/24/2025 <br> Open-Received 3 mos of bank statements for B1. 12 mos required. Provide additional 9 mos of bank statements for account ending in XXXX (last statement receivedXXXX). Income to be recalculated and additional conditions may apply. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Please see attached income calc's for B1. - Seller-03/11/2025 <br> Ready for Review-Please note that per section 7.1 of the XXXX Guide, If an account has been moved to a different Bank and is shown to be one and the same, that will be acceptable. We further note that Acct# XXXX was opened on XXXX with a XXXX deposit from acct# XXXX supporting that Acct# XXXX was a continuation of acct# XXXX which would be allowed per program guidelines. We ask that this condition be cleared. - Seller-02/24/2025 | Resolved-Income from personal statements was calculated utilizing one account from XXXX and another account from XXXX. Both borrower's are SE and the deposits were split between both borrowers. Confirmed no deposits were included for both borrower's and the transfer of funds when closing one account and opening the other were also not included. - Due Diligence Vendor-03/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - 695 FICO; 660 required<br>LTV is less than guideline maximum - 65% LTV; 70% max allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3456078 |
| XXXX | 531801 | XXXX C A | Closed | FCRE8013 | 2025-02-27 11:22 | 2025-03-04 15:55 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received rider to purchase contract. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. counter-signed addendum enclosed - Seller-02/27/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase Rider contract needs to be signed by seller and buyer- buyer will be taking title as XXXX. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. counter-signed addendum enclosed - Seller-02/27/2025<br>| Resolved-Received rider to purchase contract. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 15.75 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum score 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3492852 |
| XXXX | 532081 | XXXX C B A | Closed | FCRE1200 | 2025-02-27 12:11 | 2025-02-28 15:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted Loan Amount is less than the Guideline Minimum Loan Amount of XXXX, waiver applied with comp factors - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. loan amount exception bottom right corner enclosed - Seller-02/27/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX . There is an email in file that indicates an exception was entered, however I was unable to locate an exception approval document in the file. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. loan amount exception bottom right corner enclosed - Seller-02/27/2025<br>| Waived-Originator exception granted Loan Amount is less than the Guideline Minimum Loan Amount of XXXX, waiver applied with comp factors - Due Diligence Vendor-06/23/2025 | Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 23 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 778 is more than 20 points higher than the guideline min of 700. | Fico: 778>700; Reserves: 23>3 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3493994 |
| XXXX | 532104 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 533827 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 538037 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 538069 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 545638 | XXXX D A | Closed | FCRE5116 | 2025-03-12 20:48 | 2025-03-18 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received a Credit Supplement with a 12 month payment history for the subject. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-please clarify what you are looking for... the credit supplement we provided was the VOM... it was verified by our credit company and should be acceptable. XXXX (Lender verified) is the subject lien - Seller-03/17/2025 <br> Counter-Received duplicate documentation. Please provide VOM for subject property lien - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. see enclosed... XXXX is the mortgage on the subject - Seller-03/13/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guides, housing history for the DSCR Doc type is limited to verifying the borrower's primary residence and the subject property if a refinance transaction, as well as any property used for investor experience. The subject is secured with a private lien for XXXX. The payoff statement in file does not provide a 12-month payment history and the lien does not report on the borrower's credit report. The loan file is missing a 12-month mortgage history for the subject property. - Due Diligence Vendor-03/13/2025 | Ready for Review-please clarify what you are looking for... the credit supplement we provided was the VOM... it was verified by our credit company and should be acceptable. Yellow Jacket (Lender verified) is the subject lien - Seller-03/17/2025 <br>Ready for Review-Document Uploaded. see enclosed... Yellow Jacket is the mortgage on the subject - Seller-03/13/2025<br>| Resolved-Received a Credit Supplement with a 12 month payment history for the subject. - Due Diligence Vendor-03/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 725 qualifying FICO score, 700 minimum score required<br>LTV is less than guideline maximum - 70% LTV ratio, 75% maximum allowed.<br>DSCR % greater than 1.20 - DSCR % 1.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3598280 |
| XXXX | 545638 | XXXX D A | Closed | FCRE1507 | 2025-03-12 21:11 | 2025-03-14 10:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. see enclosed... XXXX is the mortgage on the subject - Seller-03/13/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Missing the required 12-mo housing history for the subject property. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. see enclosed... Yellow Jacket is the mortgage on the subject - Seller-03/13/2025<br>| Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-03/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 725 qualifying FICO score, 700 minimum score required<br>LTV is less than guideline maximum - 70% LTV ratio, 75% maximum allowed.<br>DSCR % greater than 1.20 - DSCR % 1.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3598300 |
| XXXX | 546818 | XXXX D B A | Closed | FCRE5782 | 2025-03-14 15:52 | 2025-03-18 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. gap report - Seller-03/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. gap report - Seller-03/17/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 746 FICO is 20+ points above 700 minimum <br>Long term residence - Long term residence/homeownership of 6 years<br>Months Reserves exceed minimum required - 20 mos rsrvs; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3617646 |
| XXXX | 546818 | XXXX D B A | Closed | FCRE5783 | 2025-03-17 11:34 | 2025-03-18 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. gap report - Seller-03/17/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. gap report - Seller-03/17/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-03/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 746 FICO is 20+ points above 700 minimum <br>Long term residence - Long term residence/homeownership of 6 years<br>Months Reserves exceed minimum required - 20 mos rsrvs; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3626187 |
| XXXX | 546818 | XXXX D B A | Closed | FCRE8611 | 2025-03-17 11:57 | 2025-03-17 11:59 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as lender/client is comfortable with B grade - Due Diligence Vendor-03/17/2025 <br>Open-Exception to waive attorney opinion letter<br> - Due Diligence Vendor-03/17/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as lender/client is comfortable with B grade - Due Diligence Vendor-03/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 746 FICO is 20+ points above 700 minimum <br>Long term residence - Long term residence/homeownership of 6 years<br>Months Reserves exceed minimum required - 20 mos rsrvs; 3 mos required | - Fico 20+ points above requirement<br> - Long term homeownership |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3626455 |
| XXXX | 566480 | XXXX D A | Closed | FCRE1173 | 2025-04-10 17:40 | 2025-06-04 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Fidelity renewal policy provided. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/03/2025 <br> Counter-Received master policy-missing renewal for Fidelity Page 15 (expires XXXX) - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Please see attached. - Seller-04/11/2025 <br> Open-Missing Condo Master Insurance Policy Master insurance meeting all Fannie Mae® insurance requirements for property, liability, and fidelity coverage, not in file. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/03/2025 <br>Ready for Review-Please see attached. - Seller-04/11/2025<br>| Resolved-Fidelity renewal policy provided. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 789 score exceeds 640 minimum.<br>Months Reserves exceed minimum required - 38 months exceeds, 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3833879 |
| XXXX | 566480 | XXXX D A | Closed | FCRE1510 | 2025-04-10 19:15 | 2025-04-28 16:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description is correct. - Due Diligence Vendor-04/28/2025 <br> Counter-Please provide a corrected Legal Document. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-We've reviewed this with our compliance team and determined that the Legal Description is correct. Since the legal Description is what carries weight when recording, and the street address is more descriptive; the Typo will not cause any issues when recording and is not required to be corrected. We ask that this item be waived. - Seller-04/24/2025 <br> Counter-Property address: XXXX--typo - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Please see attached screenshots of all addresses and legal descriptions from Title, Appraisal, Purchase Contract and DOT. Please clarify the issue being noted as we are unable to see an issue. - Seller-04/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Propery address on Legal description on DOT does not mach address on Appraisal, Title or purchase contract. - Due Diligence Vendor-04/10/2025 | Ready for Review-We've reviewed this with our compliance team and determined that the Legal Description is correct. Since the legal Description is what carries weight when recording, and the street address is more descriptive; the Typo will not cause any issues when recording and is not required to be corrected. We ask that this item be waived. - Seller-04/24/2025 <br>Ready for Review-Please see attached screenshots of all addresses and legal descriptions from Title, Appraisal, Purchase Contract and DOT. Please clarify the issue being noted as we are unable to see an issue. - Seller-04/11/2025<br>| Resolved-Legal description is correct. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 789 score exceeds 640 minimum.<br>Months Reserves exceed minimum required - 38 months exceeds, 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3834503 |
| XXXX | 566480 | XXXX D A | Closed | FCRE1509 | 2025-04-10 19:14 | 2025-04-28 16:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Legal description is correct. - Due Diligence Vendor-04/28/2025 <br> Counter-Please provide a corrected Legal Document. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-We've reviewed this with our compliance team and determined that the Legal Description is correct. Since the legal Description is what carries weight when recording, and the street address is more descriptive; the Typo will not cause any issues when recording and is not required to be corrected. We ask that this item be waived. - Seller-04/24/2025 <br> Counter-Note reflects XXXX--typo - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Please see attached screenshots of all addresses and legal descriptions from Title, Appraisal, Purchase Contract and DOT. Please clarify the issue being noted as we are unable to see an issue. - Seller-04/11/2025 <br> Open-There are Issues Present on the Note that must be addressed. Propery address on Note does not match address on Appraisal, Title or Purchase contract. - Due Diligence Vendor-04/10/2025 | Ready for Review-We've reviewed this with our compliance team and determined that the Legal Description is correct. Since the legal Description is what carries weight when recording, and the street address is more descriptive; the Typo will not cause any issues when recording and is not required to be corrected. We ask that this item be waived. - Seller-04/24/2025 <br>Ready for Review-Please see attached screenshots of all addresses and legal descriptions from Title, Appraisal, Purchase Contract and DOT. Please clarify the issue being noted as we are unable to see an issue. - Seller-04/11/2025<br>| Resolved-Legal description is correct. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 789 score exceeds 640 minimum.<br>Months Reserves exceed minimum required - 38 months exceeds, 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3834496 |
| XXXX | 594352 | XXXX C B A | Closed | FCRE0095 | 2025-05-01 15:01 | 2025-05-01 17:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-No lookback period on STR due to property was under construction. Using the lower of 2 of the 1007's provided. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non ATR. - Due Diligence Vendor-05/01/2025 |  | Waived-No lookback period on STR due to property was under construction. Using the lower of 2 of the 1007's provided. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non ATR. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 758<br>LTV is less than guideline maximum - Max LTV 70%- Borrower's LTV 46.25% | -LTV over 5% under program maximum (47% LTV with max allowed to 70%)<br> - FICO over20 points higher than program minimum<br> - No mortgage lates in the past 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4019509 |
| XXXX | 594352 | XXXX C B A | Closed | FCRE1199 | 2025-05-01 14:53 | 2025-05-01 17:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXXLoan amount is XXXX with Max allowed to XXXX loan amount. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non ATR. - Due Diligence Vendor-05/01/2025 |  | Waived-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Loan amount is XXXX with Max allowed to XXXX loan amount. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non ATR. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 758<br>LTV is less than guideline maximum - Max LTV 70%- Borrower's LTV 46.25% | -LTV over 5% under program maximum (47% LTV with max allowed to 70%)<br> - FICO over20 points higher than program minimum<br> - No mortgage lates in the past 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4019421 |
| XXXX | 594734 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 595489 | XXXX C B A | Closed | FCRE8702 | 2025-05-05 16:06 | 2025-06-10 13:33 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/06/2025 <br>Open-The Business Entity Formation Document is incomplete Missing tax identification Number (EIN) - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/06/2025<br>| Resolved-Received EIN - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 14 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 810 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4048648 |
| XXXX | 595489 | XXXX C B A | Closed | FCRE0095 | 2025-05-05 15:45 | 2025-05-05 16:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator exception granted and in file, waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/08/2025 <br> Open-Lender exception to allow 80% of STR Pro analysis for DSCR Ratio. Per guides the lower of the 1007 short-term rental comps or XXXX expected revenue will be used. - Due Diligence Vendor-05/05/2025 |  | Waived-Originator exception granted and in file, waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 14 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 810 | XXXX score is 20points above the minimum<br> 0x30 mortgage history 24months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4048274 |
| XXXX | 610924 | XXXX D B A | Closed | FCRE1506 | 2025-05-20 13:42 | 2025-06-11 16:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing REO documentation. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/10/2025 <br>Counter-Pending receipt of HO6 for 3d - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documents. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Received missing REO documentation. - Due Diligence Vendor-06/11/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 27%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 702 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4194392 |
| XXXX | 610924 | XXXX D B A | Closed | FCRE7497 | 2025-05-20 12:46 | 2025-06-11 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received missing REO documentation. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX HOI. - Seller-06/10/2025 <br> Counter-Missing HO6 or confirmation included for 3d - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. 3a is a SFR so HOA does not apply. XXXX statement and prop profile enclosed. 3d is a Condo, HOA statement enclosed - Seller-05/20/2025 <br> Open-Provide for 3a: the Missing XXXX, taxes, HOI, HOA and for 3d: the Missing HOI. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please see attached XXXX HOI. - Seller-06/10/2025 <br> Ready for Review-Document Uploaded. 3a is a SFR so HOA does not apply. Mr cooper mortgage statement and prop profile enclosed. 3d is a Condo, HOA statement enclosed - Seller-05/20/2025 | Resolved-Received missing REO documentation. - Due Diligence Vendor-06/11/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 27%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 702 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4193460 |
| XXXX | 610924 | XXXX D B A | Closed | FCRE1199 | 2025-05-20 12:41 | 2025-05-23 15:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow Loan amount > XXXX Non-material waiver applied with comp factors. non-material due to loan amount. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Provide a completed exception for loan amount being over XXXX. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Waived-Originator exception granted to allow Loan amount >XXXX Non-material waiver applied with comp factors. non-material due to loan amount. - Due Diligence Vendor-05/22/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 27%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 702 | 24+ months on time mortgage history <br> DTI is 5% below max required. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4193393 |
| XXXX | 610924 | XXXX D B A | Closed | FCRE1194 | 2025-05-20 12:41 | 2025-05-22 16:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver Loan amount XXXX and LTV 80% applied to non material finding with comp factors - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. please waive accordingly - Seller-05/20/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Loan amounts greater than XXXX, the max LTV is 75%. Provide exception for LTV. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. please waive accordingly - Seller-05/20/2025<br>| Waived-Originator provided a waiver Loan amount XXXX and LTV 80% applied to non material finding with comp factors - Due Diligence Vendor-05/22/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 27%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 702 | Credit: 0x24 months mortgage history<br> DTI: 5% below max required<br> Reserves: exceeding required amount. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4193394 |
| XXXX | 613022 | XXXX C A | Closed | FCRE7009 | 2025-05-21 14:09 | 2025-06-06 16:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Replacement cost on appraisal is XXXX - Due Diligence Vendor-06/06/2025 <br> Ready for Review-We kindly disagree; Per guidelines (Section 10.13), hazard insurance coverage should be sufficient to cover the lowest of : 1) RCE Value (Provided by agent, 2) Cost to replace the Dwelling (as evidenced by the Appraisal), or 3) The UPB. We note that the Appraisal shows the cost to replace the Dwelling is XXXX; therefore, the Dwelling coverage of $398,000.00 is sufficient to meet the Insurance requirement. We ask that this condition be waived. - Seller-06/06/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide proof of sufficient Hazard Insurance coverage for the subject property. - Due Diligence Vendor-05/21/2025 | Ready for Review-We kindly disagree; Per guidelines (Section 10.13), hazard insurance coverage should be sufficient to cover the lowest of : 1) RCE Value (Provided by agent, 2) Cost to replace the Dwelling (as evidenced by the Appraisal), or 3) The UPB. We note that the Appraisal shows the cost to replace the Dwelling is XXXX; therefore, the Dwelling coverage of $398,000.00 is sufficient to meet the Insurance requirement. We ask that this condition be waived. - Seller-06/06/2025 | Resolved-Replacement cost on appraisal is XXXX - Due Diligence Vendor-06/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 727<br>Months Reserves exceed minimum required - Min Reserves 3 mths- borrower has 17.81 mths in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4207631 |
| XXXX | 614888 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 619513 | XXXX D A | Closed | FCRE1316 | 2025-05-28 08:45 | 2025-05-30 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Upon further review, the guidelines allow business bank statements as verification of self-employed borrowers, which were present in the loan file. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-We respectfully disagree. According to Non-QM XXXX guidelines, section 5.2.26 Verification for Self-Employed Borrowers: "In addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include: Bank Statements with recent transactions." The loan file included the business bank statements up to from XXXX thru XXXX reflecting recent transactions. An additional 3rd party verification is not required. - Seller-05/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party verification of business in existence within 60 days of Note date. (File contained LLC - Articles of Org; however, these show original filing date of LLC, but do not indicate whether currently active. File also included Operating Agreement dated XXXX; however, this is not considered a 3rd party verification). - Due Diligence Vendor-05/28/2025 | Ready for Review-We respectfully disagree. According to Non-QM XXXX guidelines, section XXXX Verification for Self-Employed Borrowers: "In addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include: Bank Statements with recent transactions." The loan file included the business bank statements up to from XXXX thru XXXX reflecting recent transactions. An additional 3rd party verification is not required. - Seller-05/28/2025 | Resolved-Upon further review, the guidelines allow business bank statements as verification of self-employed borrowers, which were present in the loan file. - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 42.84m.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 761. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4254440 |
| XXXX | 620700 | XXXX B A | Closed | FCOM1302 | 2025-05-27 16:41 | 2025-05-28 07:42 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 799<br>Months Reserves exceed minimum required - 6 mths resereves required- Borrower has 17.42 mths reserves |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4249513 |
| XXXX | 620887 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 620907 | XXXX C A | Closed | finding-3634 | 2025-05-28 09:47 | 2025-05-28 16:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by $65 (appraisal fee) without a valid COC in file. Final CD provided a $65 credit for increase in closing costs above the legal limit. - Due Diligence Vendor-05/28/2025 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $65.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $65 (appraisal fee) without a valid COC in file. Final CD provided a $65 credit for increase in closing costs above the legal limit. - Due Diligence Vendor-05/28/2025 |  | Resolved-Zero (0%) tolerance fees increased by $65 (appraisal fee) without a valid COC in file. Final CD provided a $65 credit for increase in closing costs above the legal limit. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 9.79m.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 764. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4255148 |
| XXXX | 620910 | XXXX C B A | Closed | FCRE0072 | 2025-05-29 09:02 | 2025-05-29 09:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Individual Property DSCR is less than Guideline minimum | Waived-Originator exception granted to allow use of 80% of the 1007, Non-material waiver applied with comp factors. non-material due to 1007 includes the XXXX Data. - Due Diligence Vendor-05/29/2025 <br> Open-EXCEPTION REQUEST for using 80% of 1007 which includes XXXX data - Due Diligence Vendor-05/29/2025 |  | Waived-Originator exception granted to allow use of 80% of the 1007, Non-material waiver applied with comp factors. non-material due to 1007 includes the XXXX Data. - Due Diligence Vendor-05/29/2025 | On time mortgage history exceeds guideline requirement - 0X30 mortgage history 24+ months<br>Long term residence - 4+ years in primary residence | 0X30 mortgage history 24+ months<br> 4+ years in primary residence |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4267839 |
| XXXX | 621441 | XXXX B A | Closed | FCRE1440 | 2025-05-29 10:38 | 2025-05-29 11:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow for no housing history provided . Non-material waiver applied to finding with compensating factors.<br> Existing mortgage is a reverse mortgage. Sufficient reserves. - Due Diligence Vendor-05/29/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Primary housing history not available, due to having a reverse mortgage on the property and no payments being required. An exception was granted by the Lender. - Due Diligence Vendor-05/29/2025 |  | Waived-Originator exception granted to allow for no housing history provided . Non-material waiver applied to finding with compensating factors.<br> Existing mortgage is a reverse mortgage. Sufficient reserves. - Due Diligence Vendor-05/29/2025<br>| LTV is less than guideline maximum - 50% LTV vs. max LTV of 80%<br>Months Reserves exceed minimum required - 14 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 704 vs. min FICO 680 | FICO > 20 points higher than the minimum required. LTV is > 5% below max allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4269367 |
| XXXX | 621515 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 622784 | XXXX C B A | Closed | FCRE1197 | 2025-05-29 11:29 | 2025-06-30 15:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted and waiver applied with comp factors. - Due Diligence Vendor-06/30/2025 <br> Open-Audited XXXX of is less than Guideline XXXX of 660 Exception to utilize 680 XXXX as representative score as borrower has No XXXX score.<br> - Due Diligence Vendor-05/29/2025 |  | Waived-Originator exception granted and waiver applied with comp factors. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Verified assets of 177.42 months exceeds the minimum required of 12 months<br>DSCR % greater than 1.20 - DSCR = 1.384 | 177 months liquid reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4270569 |
| XXXX | 622784 | XXXX C B A | Closed | FCRE1505 | 2025-05-29 15:22 | 2025-06-05 11:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow a NO XXXX score borrower without requiring the<br> alternative tradelines. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. B1 has no credit score and no open / active tradelines since XXXX. Lender exception provided in the loan file was for credit score exception. Per guidelines If borrower has less than 3 credit scores then must meet tradeline requirements. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow a NO FICO score borrower without requiring the<br> alternative tradelines. - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - Verified assets of 177.42 months exceeds the minimum required of 12 months<br>DSCR % greater than 1.20 - DSCR = 1.384 | 4+ years in primary residence<br> DSCR % greater than 1.20<br> 177.42 months of reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4274337 |
| XXXX | 622798 | XXXX C A | Closed | finding-47 | 2025-05-28 16:42 | 2025-06-10 07:44 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Disbursement date XXXX - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-06/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. Please see attached PCCD - Seller-06/09/2025<br>| Resolved-Received PCCD XXXX. Disbursement date XXXX - Due Diligence Vendor-06/10/2025 | Qualifying DTI below maximum allowed - DTI of 31.95% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 18 months exceeds the minimum required of 0 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4262401 |
| XXXX | 622817 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 622945 | XXXX C B A | Closed | FCRE8201 | 2025-05-30 09:10 | 2025-05-30 09:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow use of th lower of the 1007 short term rental comps, Non-material waiver applied with comp factors. non-material due to 1007 includes XXXX information - Due Diligence Vendor-05/30/2025 <br> Open-Lender Exception Granted: Approved to use 80% of 1007 rents. 1007 includes XXXX data.<br> - Due Diligence Vendor-05/30/2025 |  | Waived-Originator exception granted to allow use of th lower of the 1007 short term rental comps, Non-material waiver applied with comp factors. non-material due to 1007 includes XXXX information - Due Diligence Vendor-05/30/2025 | Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 375m.<br>DSCR % greater than 1.20 - DSCR > 1.2, borrower DSCR 1.258. | 1. 3+ months reserves, borrower has 375m reserves verified.<br> 2. DSCR ratio > 1.2. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4281486 |
| XXXX | 622949 | XXXX C A | Closed | FCRE1148 | 2025-05-29 19:21 | 2025-06-17 09:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/14/2025 <br> Counter-Reviewer is unable to open upload received XXXX-please re upload. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of XXXX. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 699 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 47.41 months exceeds the minimum required of 0 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4276986 |
| XXXX | 622949 | XXXX C A | Closed | FPRO0011 | 2025-05-30 09:34 | 2025-06-17 09:18 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please3 see attached document showing the property is free of any damage - Seller-06/16/2025 <br> Counter-Guidelines require comments specific to the the disaster. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-The Appraisal was completed on XXXX after the disaster dates of XXXX to XXXX, and the appraiser does say "No adverse conditions have been observed that affect the livability, soundness or structural integrity of the property per information provided" - Seller-06/10/2025 <br> Open-XXXX (XXXX) Incident Period: XXXX - XXXX. Appraisal completed within 30 days of disaster, no commentary from appraiser. Per guidelines The appraiser must comment on the adverse event and certify that there has been no change in the valuation. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please3 see attached document showing the property is free of any damage - Seller-06/16/2025 <br> Ready for Review-The Appraisal was completed on XXXX after the disaster dates of XXXX to XXXX, and the appraiser does say "No adverse conditions have been observed that affect the livability, soundness or structural integrity of the property per information provided" - Seller-06/10/2025 | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-06/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 699 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 47.41 months exceeds the minimum required of 0 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4281828 |
| XXXX | 622979 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 623023 | XXXX D A | Closed | FCRE1252 | 2025-05-30 11:24 | 2025-06-17 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Upon further review, requested document is not a required document. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-We kindly disagree, as a lender, we are not required to obtain documentation regarding a well if it is noted by the appraiser that it is typical for the area. Title is also not requesting documentation regarding the Well; Item 13 from section BII is showing there is a Declaration of Water Rights & Well Agreement recorded as of XXXX - Seller-06/13/2025 <br> Open- Private Well per appraiser. Provide copy of Private Well Declarations as noted under Title BII #13. - Due Diligence Vendor-05/30/2025 | Ready for Review-We kindly disagree, as a lender, we are not required to obtain documentation regarding a well if it is noted by the appraiser that it is typical for the area. Title is also not requesting documentation regarding the Well; Item 13 from section BII is showing there is a Declaration of Water Rights & Well Agreement recorded as of XXXX- Seller-06/13/2025 | Resolved-Upon further review, requested document is not a required document. - Due Diligence Vendor-06/17/2025<br>| LTV is less than guideline maximum - Lender max LTV 90%, subject LTV 80%.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 30.42m. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4283939 |
| XXXX | 623943 | XXXX C A | Closed | finding-3634 | 2025-05-29 12:12 | 2025-06-16 11:47 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-A creditor must ensure that a consumer receives an initial Closing Disclosure no later than three business days before consummation. 12 CFR § 1026.19(f)(1)(ii)(A). If the disclosed terms change after the creditor has provided the initial Closing Disclosure to the consumer, the creditor must provide a corrected Closing Disclosure to the consumer. Unless the change is one of the three types of changes discussed below, it is sufficient if the consumer receives the corrected Closing Disclosure at or before consummation. 12 CFR § 1026.19(f)(2)(i). This means that, for most types of changes, the creditor can consummate the loan without waiting three business days after the consumer receives the corrected Closing Disclosure.<br>So even if the borrower did not view this CD electronically , they received a copy of the CD with the changes reflected on it at closing within three business days of the change. - Seller-06/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,138.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----CD XXXX & COC are in file, but not acknowledged by the borrower. Please provide proof that borrower acknowledged the CD. - Due Diligence Vendor-05/29/2025 | Ready for Review-A creditor must ensure that a consumer receives an initial Closing Disclosure no later than three business days before consummation. 12 CFR § 1026.19(f)(1)(ii)(A). If the disclosed terms change after the creditor has provided the initial Closing Disclosure to the consumer, the creditor must provide a corrected Closing Disclosure to the consumer. Unless the change is one of the three types of changes discussed below, it is sufficient if the consumer receives the corrected Closing Disclosure at or before consummation. 12 CFR § 1026.19(f)(2)(i). This means that, for most types of changes, the creditor can consummate the loan without waiting three business days after the consumer receives the corrected Closing Disclosure.<br>So even if the borrower did not view this CD electronically , they received a copy of the CD with the changes reflected on it at closing within three business days of the change. - Seller-06/16/2025<br>| Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserve req, borrower has 9.7 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 47.7% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4271304 |
| XXXX | 623943 | XXXX C A | Closed | finding-3540 | 2025-05-29 12:12 | 2025-06-16 11:46 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-06/16/2025 <br> Ready for Review-A creditor must ensure that a consumer receives an initial Closing Disclosure no later than three business days before consummation. 12 CFR § 1026.19(f)(1)(ii)(A). If the disclosed terms change after the creditor has provided the initial Closing Disclosure to the consumer, the creditor must provide a corrected Closing Disclosure to the consumer. Unless the change is one of the three types of changes discussed below, it is sufficient if the consumer receives the corrected Closing Disclosure at or before consummation. 12 CFR § 1026.19(f)(2)(i). This means that, for most types of changes, the creditor can consummate the loan without waiting three business days after the consumer receives the corrected Closing Disclosure.<br>So even if the borrower did not view this CD electronically , they received a copy of the CD with the changes reflected on it at closing within three business days of the change. - Seller-06/16/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, 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; or"In Person" and the revised closing disclosure delivery date is after 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 after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Please provide evidence that borrower acknowledged CD. - Due Diligence Vendor-05/29/2025 | Ready for Review-A creditor must ensure that a consumer receives an initial Closing Disclosure no later than three business days before consummation. 12 CFR § 1026.19(f)(1)(ii)(A). If the disclosed terms change after the creditor has provided the initial Closing Disclosure to the consumer, the creditor must provide a corrected Closing Disclosure to the consumer. Unless the change is one of the three types of changes discussed below, it is sufficient if the consumer receives the corrected Closing Disclosure at or before consummation. 12 CFR § 1026.19(f)(2)(i). This means that, for most types of changes, the creditor can consummate the loan without waiting three business days after the consumer receives the corrected Closing Disclosure.<br>So even if the borrower did not view this CD electronically , they received a copy of the CD with the changes reflected on it at closing within three business days of the change. - Seller-06/16/2025<br>| Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserve req, borrower has 9.7 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 47.7% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4271300 |
| XXXX | 624482 | XXXX D A | Closed | FCRE7497 | 2025-06-02 17:19 | 2025-06-10 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LE's for 3b and 3c. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached LE's for both properties. The new loans for both properties are not closed yet. - Seller-06/06/2025 <br> Open-Missing loan docs to verify the loan terms for new XXXX mortgage on Property B & Property C. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached LE's for both properties. The new loans for both properties are not closed yet. - Seller-06/06/2025<br>| Resolved-Received LE's for 3b and 3c. - Due Diligence Vendor-06/10/2025<br>| LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 56.82%.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 29.37%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4305670 |
| XXXX | 624752 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 624753 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 624754 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 624768 | XXXX C A | Closed | FCRE1510 | 2025-06-02 08:56 | 2025-06-23 14:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025 <br>Counter-Legal was not attached. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/20/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025<br>| Resolved-Received Legal Description. - Due Diligence Vendor-06/23/2025<br>| Months Reserves exceed minimum required - Verified assets of 88.75 months exceeds the minimum required of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 693 is higher than the minimum FICO required of 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4296765 |
| XXXX | 624785 | XXXX C B A | Closed | FCRE9996 | 2025-06-02 11:47 | 2025-06-02 11:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Non warrantable new project needs 50% or more sold or under contract. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/02/2025 |  | Waived-Non warrantable new project needs 50% or more sold or under contract. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/02/2025<br>| Credit history exceeds minimum required - Lender minimum credit history 12m, borrower credit history 24+M, with 0X30 mortgage history since 6.24.<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 70%. | LTV 5% below max<br> Credit history exceeds 24+ months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4299675 |
| XXXX | 624785 | XXXX C B A | Closed | FCRE1440 | 2025-06-02 09:11 | 2025-06-02 11:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements First time investor must own primary residence for min 1 year. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/02/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements First time investor must own primary residence for min 1 year. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-06/02/2025<br>| Credit history exceeds minimum required - Lender minimum credit history 12m, borrower credit history 24+M, with 0X30 mortgage history since 6.24.<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 70%. | LTV 5% below max.<br> Credit history exceeds 24+ months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4296932 |
| XXXX | 626473 | XXXX C B A | Closed | FCRE1194 | 2025-06-03 09:19 | 2025-06-03 10:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/03/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Exception in file to go overXXXX loan amount at 85% LTV to XXXX - Due Diligence Vendor-06/03/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 FICO; 680 required<br>Qualifying DTI below maximum allowed - DTI of 44.69% is less than the maximum allowed per guidelines of 50% | Qualifying DTI is 5% below maximum allowed<br> Qualifiying fico is at least 20 points above minimum<br> -0x30 housing history 24months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4310900 |
| XXXX | 626505 | XXXX C B A | Closed | FCRE2502 | 2025-06-03 12:54 | 2025-06-18 18:24 | Resolved | 1 - Information C A | Credit | Eligibility | Transaction is not arm's length | Resolved-Payoff Statement provided. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. We ask that this finding be waived as having a shortage in their escrow does not constitute the loan being past due. In addition, the Payoff and the Final Settlement Statement and CD both show the Funds owed by the borrower are included in the Final Payoff. - Seller-06/16/2025 <br> Counter-Received payoff statement. P&I is current. However the sellers owes XXXX for escrow. Finding remains. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. Payoff statement shows no lates incurred. - Seller-06/10/2025 <br> Open-Proof of non-default on any existing mortgage(s) is required. Missing verification of mortgage on seller's mortgage<br> - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. We ask that this finding be waived as having a shortage in their escrow does not constitute the loan being past due. In addition, the Payoff and the Final Settlement Statement and CD both show the Funds owed by the borrower are included in the Final Payoff. - Seller-06/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. Payoff statement shows no lates incurred. - Seller-06/10/2025<br>| Resolved-Payoff Statement provided. - Due Diligence Vendor-06/18/2025<br>| Qualifying DTI below maximum allowed - DTI of 26.65% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 758 is higher than the minimum FICO required of 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4315707 |
| XXXX | 626505 | XXXX C B A | Closed | FCRE6844 | 2025-06-03 12:40 | 2025-06-12 16:19 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Upon further review, gift letter is more than what was required at close. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Gift letter provided is more than what was given and no reserves required for this loan program that is why it still meets guidelines. - Seller-06/10/2025 <br>Open-Missing corrected gift amount on gift letter to match gift of equity on Final CD - Due Diligence Vendor-06/03/2025 | Ready for Review-Gift letter provided is more than what was given and no reserves required for this loan program that is why it still meets guidelines. - Seller-06/10/2025<br>| Resolved-Upon further review, gift letter is more than what was required at close. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 26.65% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 758 is higher than the minimum FICO required of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4315482 |
| XXXX | 626505 | XXXX C B A | Closed | FCRE1510 | 2025-06-03 08:10 | 2025-06-11 16:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. The correct Exhibit A - Legal Description is on page 33 of the signed closing package. - Seller-06/10/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Included Exhibit A is not for correct property (APN and County in Exhibit A does not match Note). - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please see attached. The correct Exhibit A - Legal Description is on page 33 of the signed closing package. - Seller-06/10/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-06/11/2025<br>| Qualifying DTI below maximum allowed - DTI of 26.65% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 758 is higher than the minimum FICO required of 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4310241 |
| XXXX | 626505 | XXXX C B A | Closed | FCRE8201 | 2025-06-03 12:07 | 2025-06-03 12:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/03/2025 <br>Open-Exception in file to allow first time home buyer for program. - Due Diligence Vendor-06/03/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/03/2025<br>| Qualifying DTI below maximum allowed - DTI of 26.65% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 758 is higher than the minimum FICO required of 660 | -fico 20+ points above minimum<br> -24+ month housing 0x30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4314832 |
| XXXX | 627170 | XXXX C A | Closed | FCRE9996 | 2025-06-03 14:27 | 2025-06-18 17:14 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-The borrower is the head of the HOA as an owner of a condo unit and not as the builder. Condo questionnaire confirms the builder turned over control to the owners. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. We kindly disagree, this is a 6 unit Condo Project in which the borrower was the developer; however, he also retained his primary residence and an investment, which is allowed. Please note that the Condo questionnaire (Question 6) confirms that the Unit Owners are in control of the HOA. The fact that the borrower(developer) chose to live in the project he built should not restrict him from from being able to run for president of the HOA. Since the borrower occupies a Unit in the Project, and the Unit Owners control the HOA, it is our position that this finding should be cleared. - Seller-06/17/2025 <br>Open-Per guidelines, the developer may be in control of the condominium association as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. This requirement is not met as borrower is listed as developer and HOA President and is in control of HOA - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. We kindly disagree, this is a 6 unit Condo Project in which the borrower was the developer; however, he also retained his primary residence and an investment, which is allowed. Please note that the Condo questionnaire (Question 6) confirms that the Unit Owners are in control of the HOA. The fact that the borrower(developer) chose to live in the project he built should not restrict him from from being able to run for president of the HOA. Since the borrower occupies a Unit in the Project, and the Unit Owners control the HOA, it is our position that this finding should be cleared. - Seller-06/17/2025<br>| Resolved-The borrower is the head of the HOA as an owner of a condo unit and not as the builder. Condo questionnaire confirms the builder turned over control to the owners. - Due Diligence Vendor-06/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 726 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4317485 |
| XXXX | 627170 | XXXX C A | Closed | FCRE0117 | 2025-06-03 14:25 | 2025-06-18 16:49 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Project Warrantable is UTD | Resolved-1008 provided confirming the condo is warrantable. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Underwritten as Warrantable - Seller-06/17/2025 <br>Open-Missing the Underwriter Attestation confirming if the Condo is or is not warrantable.<br> - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please see attached - Underwritten as Warrantable - Seller-06/17/2025<br>| Resolved-1008 provided confirming the condo is warrantable. - Due Diligence Vendor-06/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 726 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4317418 |
| XXXX | 628263 | XXXX B A | Closed | FCRE0095 | 2025-06-03 16:31 | 2025-06-03 17:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/03/2025 <br> Open-On STR, guides require to use the lower of 80% of the XXXX or the 1007. An exception was approved to use 80% of the 1007 rents, as the 1007 uses XXXX data. Non-Material: used to increase DSCR score. - Due Diligence Vendor-06/03/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/03/2025<br>| LTV is less than guideline maximum - LTV 70%is less than guideline maximum 75%<br>Months Reserves exceed minimum required - 3+ months reserves above minimum required | -3+ months reserves above min |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4323263 |
| XXXX | 628459 | XXXX B A | Closed | FCRE1440 | 2025-06-04 08:40 | 2025-06-04 09:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow for first time investor at 80% LTV without owning a primary residence . Non-material waiver applied to finding with compensating factors - Due Diligence Vendor-06/23/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Per guides, the Borrower must own a primary residence for 1 year. An exception was provided for 80% LTV without owning a primary residence. - Due Diligence Vendor-06/04/2025 |  | Waived-Originator exception granted to allow for first time investor at 80% LTV without owning a primary residence . Non-material waiver applied to finding with compensating factors - Due Diligence Vendor-06/23/2025<br>| Credit history exceeds minimum required - > 24 months<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 700 | 24+ month credit history exceeds minimum<br> FICO is at least 20 points above the minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4328982 |
| XXXX | 630309 | XXXX C B A | Closed | FCRE1143 | 2025-06-04 12:02 | 2025-06-12 16:22 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Upon further review, a transfer date was provided. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-According to DSCR guidelines, section 8.11.3; The developer may be in control of the condominium association as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. According to the Condo Questionnaire, the developer will transfer control to the homeowners on 12/31/2026. - Seller-06/10/2025 <br>Open-Builder is in control of HOA - Due Diligence Vendor-06/04/2025 | Ready for Review-According to DSCR guidelines, section 8.11.3; The developer may be in control of the condominium association as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. According to the Condo Questionnaire, the developer will transfer control to the homeowners on 12/31/2026. - Seller-06/10/2025<br>| Resolved-Upon further review, a transfer date was provided. - Due Diligence Vendor-06/12/2025<br>| Months Reserves exceed minimum required - Verified assets of 78.53 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 25.1% is less than the maximum allowed per guidelines of 50% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4332330 |
| XXXX | 630309 | XXXX C B A | Closed | FCRE9996 | 2025-06-04 14:00 | 2025-06-04 14:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception to waive units sold or under contract requirement. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/04/2025 <br>Open-Lender Exception on file to waive units sold requirement. - Due Diligence Vendor-06/04/2025 |  | Waived-Originator exception to waive units sold or under contract requirement. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - Verified assets of 78.53 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 25.1% is less than the maximum allowed per guidelines of 50% | 0x30 24 mth mortgage history<br> DTI 20% below max  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4334391 |
| XXXX | 630675 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 630923 | XXXX D A | Closed | FCRE1157 | 2025-06-04 11:55 | 2025-06-12 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. Please see attached policies for each unit. - Seller-06/10/2025 <br>Open-Missing Hazard Insurance Policy Provide recent, endorsed, home owner's insurance policy, listing annual premium. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached policies for each unit. - Seller-06/10/2025<br>| Resolved-Received Hazard Insurance Policy. - Due Diligence Vendor-06/27/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.215.<br>Long term residence - Borrower has resided in primary residence for 4 years, with 0X30 mortgage reporting since 3.2023. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4332214 |
| XXXX | 631016 | XXXX C A | Closed | finding-3540 | 2025-06-03 10:32 | 2025-06-24 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon furhter review, finding resolved. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached CD which shows a $200 cure added on the last line of page 2. We ask that this item be cleared. - Seller-06/22/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, 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; or"In Person" and the revised closing disclosure delivery date is after 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 after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please see attached CD which shows a $200 cure added on the last line of page 2. We ask that this item be cleared. - Seller-06/22/2025<br>| Resolved-Upon furhter review, finding resolved. - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 704<br>LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 58.06% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4311951 |
| XXXX | 631626 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 632186 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 632198 | XXXX D B A | Closed | FPRO1249 | 2025-06-04 14:42 | 2025-06-15 07:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow 70% ltv p&l for a rural Cup property - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. - Seller-06/14/2025 <br> Counter-Exception for LTV provided, however Rural Properties are not eligible on a P&L loan. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties not allowed on P&L programs - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/14/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow 70% ltv p&l for a rural Cup property - Due Diligence Vendor-06/15/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.84%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, borrowers mid score is 796 | 4+ years in primary residence<br> Qualifying FICO score is at least 20 points above minimum for program<br> 5+ years Verified employment history exceeds guidelines<br> Qualifying DTI 5% below maximum allowed | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4335223 |
| XXXX | 632198 | XXXX D B A | Closed | FCRE1194 | 2025-06-04 16:35 | 2025-06-13 15:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow LTV . Non-material waiver applied to finding with compensating factors. Considered non-material due to 5% variance. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% Rural property - not allowed on P&L loans - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Waived-Originator exception granted to allow LTV . Non-material waiver applied to finding with compensating factors. Considered non-material due to 5% variance. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.84%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, borrowers mid score is 796 | 5+ years Verified employment history exceeds guidelines<br> Qualifying DTI 5% below maximum allowed | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4337511 |
| XXXX | 632198 | XXXX D B A | Closed | FCRE7497 | 2025-06-04 16:09 | 2025-06-13 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received verification of taxes. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025 <br>Open-Documents to verify taxes not found in upload to support lenders monthly debt for 3097 E Hwy 172 - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025<br>| Resolved-Received verification of taxes. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.84%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, borrowers mid score is 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4337102 |
| XXXX | 632198 | XXXX D B A | Closed | FCRE1151 | 2025-06-04 14:32 | 2025-06-13 15:11 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received commitment w/24+ months chain of title. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025<br>| Resolved-Received commitment w/24+ months chain of title. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.84%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, borrowers mid score is 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4335048 |
| XXXX | 632198 | XXXX D B A | Closed | FCRE1145 | 2025-06-04 14:32 | 2025-06-13 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received commitment. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025 <br>Open-Title Document is missing Title Report missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025<br>| Resolved-Received commitment. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.84%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, borrowers mid score is 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4335049 |
| XXXX | 632205 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 632215 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 632247 | XXXX C B A | Closed | FCRE1492 | 2025-06-04 17:59 | 2025-06-05 08:51 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception to allow max Cash in Hand to be over XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/05/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements EXCEPTION REQUEST TO EXCEED XXXX CASH IN HAND - Due Diligence Vendor-06/04/2025 |  | Waived-Originator exception to allow max Cash in Hand to be over $XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 129 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 815 | FICO 20+ points over min req<br> DSCR% great than 1.2 (no longer DSCR at time of underwrite)<br> Credit history 0x30 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4338669 |
| XXXX | 632261 | XXXX C A | Closed | FPRO1137 | 2025-06-05 07:14 | 2025-06-13 15:24 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received prior Certification Date. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the attached research, the appraiser's Certification date was 03/30/2023 with an Expiration date of 03/29/2025. Therefore, the license was effective prior to the Valuation Date. Additionally, the appraisal included the re-cert/new expiration date of XXXX. - Seller-06/11/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Provide a copy of the Appraiser's license and E&O policy valid at the time the appraisal was done. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. We respectfully disagree. According to the attached research, the appraiser's Certification date was XXXX with an Expiration date of XXXX. Therefore, the license was effective prior to the Valuation Date. Additionally, the appraisal included the re-cert/new expiration date of XXXX. - Seller-06/11/2025 | Resolved-Received prior Certification Date. - Due Diligence Vendor-06/13/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR > 1% and min is .85% or less---- DSCR is 1.109%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680-Borrower's FICO 765 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4342450 |
| XXXX | 632264 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 632266 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 632267 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 632269 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 632271 | XXXX D B A | Closed | FCRE0105 | 2025-06-05 09:52 | 2025-06-19 13:19 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-After further review, the condo does not require the structural report. - Due Diligence Vendor-06/19/2025 <br> Counter-Review concurs-HOA questionnaire confirms inspection date XXXX-missing 1st page of corresponding report. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Please note that a copy of the Last Building Inspection would not be required as the Questionnaire confirms there are no safety concerns and there is an active Cert of Occupancy. In addition, the CA building inspection regarding Balconies is also not required as the Balconies are not constructed primarily of Wood. We ask that this condition be waived - Seller-06/12/2025 <br> Open-HOA states was done in XXXX but nothing provided - Due Diligence Vendor-06/05/2025 | Ready for Review-Please note that a copy of the Last Building Inspection would not be required as the Questionnaire confirms there are no safety concerns and there is an active Cert of Occupancy. In addition, the CA building inspection regarding Balconies is also not required as the Balconies are not constructed primarily of Wood. We ask that this condition be waived - Seller-06/12/2025<br>| Resolved-After further review, the condo does not require the structural report. - Due Diligence Vendor-06/19/2025<br>| Months Reserves exceed minimum required - 133 mths reserves; 0 mths required.<br>Long term residence - At primary over 5 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4344090 |
| XXXX | 632271 | XXXX D B A | Closed | FCRE1180 | 2025-06-05 08:50 | 2025-06-17 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Upon further review, the loan file contained all required master insurance coverage. - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Please clear the condition since the loan file contained all required master insurance coverage. - Seller-06/14/2025 <br>Ready for Review-We kindly Disagree as the Master Policy states: Coverage Unless otherwise endorsed, this policy provides replacement cost coverage on described property and common areas detailed within the Association Covenants, Conditions, and Restrictions (CC&Rs) including the following types of property within a unit, regardless of ownership: 1. Fixtures, improvements and alterations that are a part of the building or structure; and 2. Appliances such as those used for refrigerating, ventilating, cooking, dishwashing, laundering, security or housekeeping.<br>Items 1 and 2 would be the same items covered with Walls In coverage. We ask that this condition be cleared. - Seller-06/12/2025 <br>Open-HO-6 Insurance Policy is Missing 1008 states master covers units yet the policy does not specifically states covers walls in - Due Diligence Vendor-06/05/2025 | Ready for Review-Please clear the condition since the loan file contained all required master insurance coverage. - Seller-06/14/2025 <br>Ready for Review-We kindly Disagree as the Master Policy states: Coverage Unless otherwise endorsed, this policy provides replacement cost coverage on described property and common areas detailed within the Association Covenants, Conditions, and Restrictions (CC&Rs) including the following types of property within a unit, regardless of ownership: 1. Fixtures, improvements and alterations that are a part of the building or structure; and 2. Appliances such as those used for refrigerating, ventilating, cooking, dishwashing, laundering, security or housekeeping.<br>Items 1 and 2 would be the same items covered with Walls In coverage. We ask that this condition be cleared. - Seller-06/12/2025<br>| Resolved-Upon further review, the loan file contained all required master insurance coverage. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 133 mths reserves; 0 mths required.<br>Long term residence - At primary over 5 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4343189 |
| XXXX | 632271 | XXXX D B A | Closed | FCRE0045 | 2025-06-05 09:31 | 2025-06-13 15:26 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-We respectfully disagree. Borrower is not a Foreign National; instead they have a ITIN which was delivered with the loan file on page 298. As such an ACH is not required. - Seller-06/11/2025 <br>Open-Foreign National but the ACH form is Missing from file. Borrower has an ITIN, 1003 check non permanent resident - Due Diligence Vendor-06/05/2025 | Ready for Review-We respectfully disagree. Borrower is not a Foreign National; instead they have a ITIN which was delivered with the loan file on page 298. As such an ACH is not required. - Seller-06/11/2025<br>| Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-06/13/2025<br>| Months Reserves exceed minimum required - 133 mths reserves; 0 mths required.<br>Long term residence - At primary over 5 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4343742 |
| XXXX | 632271 | XXXX D B A | Closed | FCRE1197 | 2025-06-05 09:43 | 2025-06-05 11:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception on file to request a 2 point XXXX exception. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/05/2025 <br> Open-Audited XXXX of 638 is less than Guideline XXXX of 640 EXCEPTION REQUEST for 2 points below minimum required - Due Diligence Vendor-06/05/2025 |  | Waived-Originator exception on file to request a 2 point XXXX exception. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 133 mths reserves; 0 mths required.<br>Long term residence - At primary over 5 years | LTV is 5% below max allowed<br> DTI is 5% below the max allowed<br> 5+ years same employment <br> 8 yrs on job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4343916 |
| XXXX | 632271 | XXXX D B A | Closed | FCRE0108 | 2025-06-05 08:50 | 2025-06-05 11:02 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Originator exception on file to request use of XXXX coverage instead of the required XXXX coverage. Non-material waiver applied to finding with compensating factors.<br> - Due Diligence Vendor-06/05/2025 <br> Open-Fidelity Coverage not met. EXCEPTION REQUEST FOR INSUFFICIENT COVERAGE - Due Diligence Vendor-06/05/2025 |  | Waived-Originator exception on file to request use of XXXX coverage instead of the required XXXX coverage. Non-material waiver applied to finding with compensating factors.<br> - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 133 mths reserves; 0 mths required.<br>Long term residence - At primary over 5 years | DTI is 5% below max allowed<br> 5+ years in primary home<br> Property F&C<br> Years on job 8 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4343188 |
| XXXX | 632292 | XXXX C A | Closed | FCRE6844 | 2025-06-05 10:18 | 2025-06-13 15:29 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Per the originator, excluded the XXXX Gift Funds. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please note that according to the Final CD, the anticipated gift funds iao XXXX were not required or used by the borrower. The loan file included the attached gifted EMD and corresponding wire and the borrower's own funds for the CTC supported by the attached wires. - Seller-06/11/2025 <br> Open-Missing Gift Letter and evidence of receipt of funds of XXXX as per reflected on the 1003 - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please note that according to the Final CD, the anticipated gift funds iao XXXX were not required or used by the borrower. The loan file included the attached gifted EMD and corresponding wire and the borrower's own funds for the CTC supported by the attached wires. - Seller-06/11/2025 | Resolved-Per the originator, excluded the $XXXX Gift Funds. - Due Diligence Vendor-06/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 783 <br>Residual Income =/> 1.5 times $3,500 monthly residual income - $26, 6183.67 months residual income. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4344486 |
| XXXX | 632293 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 632295 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 632372 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 633046 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 633655 | XXXX C B A | Closed | FCRE1509 | 2025-06-05 10:34 | 2025-06-17 09:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received confirmation of Promissory Note is correct. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-The loan is vested in an LLC and the correct Note is the Promissory Note generated by XXXX. The other Note was generated in error and should have not be included in the delivered loan file. - Seller-06/16/2025 <br> Counter-Please clarify why audit received 2 Notes. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Please note the subject loan is vested in an LLC; therefore; the Promissory Note takes precedence over the regular Note. - Seller-06/12/2025 <br> Open-There are Issues Present on the Note that must be addressed. There are two executed Notes in file that correspond to this loan but differ in terms. Clarification needed for Prepayment Penalty (3% OPB for 12 months /or 6 months 20% for 12 months) and Default Rate. - Due Diligence Vendor-06/05/2025 | Ready for Review-The loan is vested in an LLC and the correct Note is the Promissory Note generated by XXXX. The other Note was generated in error and should have not be included in the delivered loan file. - Seller-06/16/2025 <br> Ready for Review-Please note the subject loan is vested in an LLC; therefore; the Promissory Note takes precedence over the regular Note. - Seller-06/12/2025 | Resolved-Received confirmation of Promissory Note is correct. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 758.<br>Credit history exceeds minimum required - Borrower has timely credit since 12.01.2007, with 0X30 mortgage history since 10.2020. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4344715 |
| XXXX | 633655 | XXXX C B A | Closed | FCRE2244 | 2025-06-05 16:10 | 2025-06-13 15:18 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contained all required final inspections required. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-We respectfully disagree. The 1004D was included in the delivered loan file on pages 918-924. - Seller-06/12/2025 <br>Open-Property Issues are identified for the property Provide Completion Report 1004D, verifying subject to repairs have been completed per appraisal completed by Louie Alam - Due Diligence Vendor-06/05/2025 | Ready for Review-We respectfully disagree. The 1004D was included in the delivered loan file on pages 918-924. - Seller-06/12/2025<br>| Resolved-Upon further review, the loan file contained all required final inspections required. - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 758.<br>Credit history exceeds minimum required - Borrower has timely credit since 12.01.2007, with 0X30 mortgage history since 10.2020. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4351682 |
| XXXX | 633655 | XXXX C B A | Closed | FCRE1199 | 2025-06-05 17:26 | 2025-06-05 18:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/05/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Lender Exception Granted: Approved for loan amount of XXXX, exceeding guideline max of XXXX, use lower of 2 appraisals instead of listing price. - Due Diligence Vendor-06/05/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 758.<br>Credit history exceeds minimum required - Borrower has timely credit since 12.01.2007, with 0X30 mortgage history since 10.2020. | 1. 24+ month on time mortgage history.<br> 2. 0X30 credit history.<br> 3. 758 FICO, 20 points above max. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4352831 |
| XXXX | 634252 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 635677 | XXXX C B A | Closed | FCRE0095 | 2025-06-06 13:04 | 2025-06-09 10:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator exception granted to allow to use 80% of 1007, Non-material waiver applied with comp factors. non-material due to 1007 includes the XXXX data. - Due Diligence Vendor-06/09/2025 <br> Open-Exception request: Use lower og 80% of XXXX or 1007. Seeking approval to use 80% of 1007 which includes XXXX data. - Due Diligence Vendor-06/06/2025 |  | Waived-Originator exception granted to allow to use 80% of 1007, Non-material waiver applied with comp factors. non-material due to 1007 includes the XXXX data. - Due Diligence Vendor-06/09/2025 | Months Reserves exceed minimum required - Nin reserves req'd 6mths-- Borrower has 18.82 mths in reserves <br>LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV 48.58% | - LTV 5% below max |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4363316 |
| XXXX | 635948 | XXXX D B A | Closed | FCRE0042 | 2025-06-09 08:45 | 2025-06-16 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Upon further review document is not required on refinances. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Please note the affidavit is not required on Refinance transactions. - Seller-06/12/2025 <br>Open-Provide fully executed FL Foreign National Affidavit. - Due Diligence Vendor-06/09/2025 | Ready for Review-Please note the affidavit is not required on Refinance transactions. - Seller-06/12/2025<br>| Resolved-Upon further review document is not required on refinances. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - Lender max LTV 55%, subject LTV 48,21%.<br>Credit history exceeds minimum required - Borrower has owned subject property free & clear since 2021 and has 0X30 mortgage history for 24m. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4378092 |
| XXXX | 635948 | XXXX D B A | Closed | FCRE1508 | 2025-06-09 11:57 | 2025-06-09 11:59 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Waived-Originator exception granted to allow proceed without Visa, Non-material waiver applied with comp factors. non-material due to unexpired passport in the file. - Due Diligence Vendor-06/09/2025 <br>Open-Approval with out Visa - have unexpired passport. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted to allow proceed without Visa, Non-material waiver applied with comp factors. non-material due to unexpired passport in the file. - Due Diligence Vendor-06/09/2025<br>| LTV is less than guideline maximum - Lender max LTV 55%, subject LTV 48,21%.<br>Credit history exceeds minimum required - Borrower has owned subject property free & clear since 2021 and has 0X30 mortgage history for 24m. | -LTV 20% below max.<br> -0x30 mortgage history 24months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4381581 |
| XXXX | 635948 | XXXX D B A | Closed | FCRE8201 | 2025-06-09 08:47 | 2025-06-09 11:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow 12 month ledger look back of actual STR's, Non-material waiver applied with comp factors. non-material due to verified 12 month look back - Due Diligence Vendor-06/09/2025 <br>Open-Lender Exceptions Granted: Approved to use 12m lookback of actual STRs vs actual appraiser STR analysis (not provided). Also approved to proceed without Visa, only Passport provided. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted to allow 12 month ledger look back of actual STR's, Non-material waiver applied with comp factors. non-material due to verified 12 month look back - Due Diligence Vendor-06/09/2025<br>| LTV is less than guideline maximum - Lender max LTV 55%, subject LTV 48,21%.<br>Credit history exceeds minimum required - Borrower has owned subject property free & clear since 2021 and has 0X30 mortgage history for 24m. | 1. LTV 20% below max.<br> 2. 0X30 mortgage history 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4378119 |
| XXXX | 635958 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 637197 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 637200 | XXXX D B A | Closed | FCRE1728 | 2025-06-09 13:01 | 2025-06-10 11:53 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-06/10/2025 <br> Open-Exception in file to use XXXX at 80% - Due Diligence Vendor-06/10/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - 35 months available vs. 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 725 vs. min FICO of 700 | > 3 months reserves above minimum<br> FICO score > 20 points above minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4382479 |
| XXXX | 637205 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 637215 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 638768 | XXXX C B A | Closed | FCRE1194 | 2025-06-10 11:09 | 2025-06-11 06:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow LTV of 72.62%, Non-material waiver applied with comp factors. non-material due to LTV exception less than 5%, no cash out borrower has excess reserves. - Due Diligence Vendor-06/11/2025 <br> Open-Audited LTV of 72.62% exceeds Guideline LTV of 70% Max LTV 70% for Rate & Term for loan amounts between XXXX. Lender exception to allow up to 75% LTV for loan amount between XXXX. - Due Diligence Vendor-06/10/2025 |  | Waived-Originator exception granted to allow LTV of 72.62%, Non-material waiver applied with comp factors. non-material due to LTV exception less than 5%, no cash out borrower has excess reserves. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 731.<br>Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 22 months.<br>On time mortgage history exceeds guideline requirement - Borrower's mortgage payment history exceeds guideline requirements--- 0x30x24 | 3 months reserves above minimum<br> mortgage history 0x30x24 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4394979 |
| XXXX | 639011 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 639110 | XXXX D A | Closed | FCRE8887 | 2025-06-18 08:28 | 2025-06-18 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003. - Due Diligence Vendor-06/27/2025 <br>Open-Incomplete 1003-Provide the final 1003 with the employer ProVision PLC reflected. - Due Diligence Vendor-06/18/2025 |  | Resolved-Received 1003. - Due Diligence Vendor-06/27/2025<br>| Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 18 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 700- Borrower's FICO 802 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4483894 |
| XXXX | 639110 | XXXX D A | Closed | FCRE1334 | 2025-06-13 13:27 | 2025-06-16 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-06/16/2025 <br>Ready for Review-We respectfully disagree. The loan was a 12 mo. bank statement income verification, as such, an executed 4505 is not required. - Seller-06/14/2025 <br>Open-Provide the executed 4506c. - Due Diligence Vendor-06/13/2025 | Ready for Review-We respectfully disagree. The loan was a 12 mo. bank statement income verification, as such, an executed 4505 is not required. - Seller-06/14/2025<br>| Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 18 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 700- Borrower's FICO 802 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4443028 |
| XXXX | 639117 | XXXX C A | Closed | FPRO0022 | 2025-06-11 11:30 | 2025-06-16 15:13 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Upon further review appraisal meets requirements regarding disaster. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 78 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-06/13/2025 <br> Open-FEMA disaster after appraisal without a Public PDI or 1004D. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 78 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-06/13/2025 | Resolved-Upon further review appraisal meets requirements regarding disaster. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - LTV of 70 is below the maximum of 75% allowed per guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 820 is higher than the minimum FICO required of 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4411099 |
| XXXX | 639117 | XXXX C A | Closed | FPRO0021 | 2025-06-11 11:30 | 2025-06-16 15:13 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Upon further review appraisal meets requirements regarding disaster. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 78 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-06/13/2025 <br> Open-FEMA disaster after appraisal without a Individual PDI or 1004D. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 78 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-06/13/2025 | Resolved-Upon further review appraisal meets requirements regarding disaster. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - LTV of 70 is below the maximum of 75% allowed per guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 820 is higher than the minimum FICO required of 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4411098 |
| XXXX | 640342 | XXXX C A | Closed | FCRE1440 | 2025-06-11 16:36 | 2025-06-24 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Payment history. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see VOR doc from Residences XXXXreflects Primary home address, payment history form XXXX and XXXX XXXX payment invoice, reflecting same residence # XXXX, on last page is the proof XXXX paid. - Seller-06/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR. Provide 12+ months rent verification. If private VOR, 12 months of cancelled checks are required in addition to the VOR. OR 12+ months utility bill, phone bill, or HOA bill verification. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see VOR doc from Residences Hingham Shipyard reflects Primary home address, payment history form XXXX – XXXX andXXXX XXXX payment invoice, reflecting same residence # XXXX, on last page is the proof XXXX paid. - Seller-06/20/2025 | Resolved-Received Payment history. - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 707 vs. 680 min<br>Months Reserves exceed minimum required - 29 months available vs. 0 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4416580 |
| XXXX | 640819 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 641839 | XXXX C B A | Closed | FCRE0095 | 2025-06-12 11:30 | 2025-06-13 09:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/13/2025 <br> Open-EXCEPTION in file to use 80% of 1007 which includes XXXX data. - Due Diligence Vendor-06/13/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/13/2025<br>| LTV is less than guideline maximum - 70% LTV vs. max LTV of 75%<br>Additional assets not used to qualify - BBVA foreign assets not used in qualifying | 3+ months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4425631 |
| XXXX | 645704 | XXXX C B A | Closed | FCRE8201 | 2025-06-17 11:22 | 2025-06-17 11:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Layered entity vesting not allowed. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non atr affecting. - Due Diligence Vendor-06/17/2025 |  | Waived-Layered entity vesting not allowed. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non atr affecting. - Due Diligence Vendor-06/17/2025<br>| LTV is less than guideline maximum - LTV is 5% or greater below minimum, which is 70%- Borrower's LTV 60%<br>DSCR % greater than 1.20 - DSCR % is greater than 1.20--- Borrower's DSCR % is 1.52. | LTV > 5% below max allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4472278 |
| XXXX | 648618 | XXXX C B A | Closed | FCRE0095 | 2025-06-18 10:24 | 2025-06-18 17:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator exception granted to allow Short term rental on 1007, Non-material waiver applied with comp factors. non-material due to information is from XXXX - Due Diligence Vendor-06/18/2025 <br> Open-2 EXCEPTIONS: Approval to proceed with 80% of 1007 AND Approval to use 100% of 1007. Neither exception is dated, unable to determine which is most recent - Due Diligence Vendor-06/18/2025 |  | Waived-Originator exception granted to allow Short term rental on 1007, Non-material waiver applied with comp factors. non-material due to information is from XXXX - Due Diligence Vendor-06/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrowers mid score is 779<br>DSCR % greater than 1.20 - DSCR 1.318 | FICO 20+ points above min<br> 0X30 mortgage history 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4485586 |
| XXXX | 648680 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 651036 | XXXX C B A | Closed | FCRE1148 | 2025-06-20 06:51 | 2025-06-25 13:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title. - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. Please see attached the correct title coverage - Seller-06/23/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide proof of sufficient Title Coverage. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached the correct title coverage - Seller-06/23/2025<br>| Resolved-Received Final Title. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Min reserves required 3 mths- Borrower has 124.69 mths in reserves<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 37% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4508001 |
| XXXX | 651036 | XXXX C B A | Closed | FCRE1440 | 2025-06-20 07:21 | 2025-06-20 11:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow Investor purchase with a borrower living rent free, Non-material waiver applied with comp factors. non-material due to Living with Spouse with property being free and clear. - Due Diligence Vendor-06/20/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception Request: Request exception for borrower living rent free with spouse on their free and clear property. Our borrower is not on title. - Due Diligence Vendor-06/20/2025 |  | Waived-Originator exception granted to allow Investor purchase with a borrower living rent free, Non-material waiver applied with comp factors. non-material due to Living with Spouse with property being free and clear. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Min reserves required 3 mths- Borrower has 124.69 mths in reserves<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 37% | -7 years self employed<br> - DTI is 12% lower than max allowed<br> - reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4508174 |
| XXXX | 654657 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 396703 | XXXX | XXXX D C A |
| XXXX | 458088 | XXXX | XXXX D A B |
| XXXX | 517551 | XXXX | XXXX C A |
| XXXX | 523615 | XXXX | XXXX C A |
| XXXX | 525025 | XXXX | XXXX C A |
| XXXX | 531801 | XXXX | XXXX C A |
| XXXX | 532081 | XXXX | XXXX C A B |
| XXXX | 532104 | XXXX | XXXX A |
| XXXX | 533827 | XXXX | XXXX A |
| XXXX | 538037 | XXXX | XXXX A |
| XXXX | 538069 | XXXX | XXXX A |
| XXXX | 545638 | XXXX | XXXX D A |
| XXXX | 546818 | XXXX | XXXX D A B |
| XXXX | 566480 | XXXX | XXXX D A |
| XXXX | 594352 | XXXX | XXXX C A B |
| XXXX | 594734 | XXXX | XXXX A |
| XXXX | 595489 | XXXX | XXXX C A B |
| XXXX | 610924 | XXXX | XXXX D A B |
| XXXX | 613022 | XXXX | XXXX C A |
| XXXX | 614888 | XXXX | XXXX A |
| XXXX | 619513 | XXXX | XXXX D A |
| XXXX | 620700 | XXXX | XXXX A B |
| XXXX | 620887 | XXXX | XXXX A |
| XXXX | 620907 | XXXX | XXXX A C |
| XXXX | 620910 | XXXX | XXXX C A B |
| XXXX | 621441 | XXXX | XXXX B A |
| XXXX | 621515 | XXXX | XXXX A |
| XXXX | 622784 | XXXX | XXXX C A B |
| XXXX | 622798 | XXXX | XXXX A C |
| XXXX | 622817 | XXXX | XXXX A |
| XXXX | 622945 | XXXX | XXXX C A B |
| XXXX | 622949 | XXXX | XXXX C A |
| XXXX | 622979 | XXXX | XXXX A |
| XXXX | 623023 | XXXX | XXXX D A |
| XXXX | 623943 | XXXX | XXXX A C |
| XXXX | 624482 | XXXX | XXXX D A |
| XXXX | 624752 | XXXX | XXXX A |
| XXXX | 624753 | XXXX | XXXX A |
| XXXX | 624754 | XXXX | XXXX A |
| XXXX | 624768 | XXXX | XXXX C A |
| XXXX | 624785 | XXXX | XXXX C A B |
| XXXX | 626473 | XXXX | XXXX C A B |
| XXXX | 626505 | XXXX | XXXX C A B |
| XXXX | 627170 | XXXX | XXXX C A |
| XXXX | 628263 | XXXX | XXXX B A |
| XXXX | 628459 | XXXX | XXXX B A |
| XXXX | 630309 | XXXX | XXXX C A B |
| XXXX | 630675 | XXXX | XXXX A |
| XXXX | 630923 | XXXX | XXXX D A |
| XXXX | 631016 | XXXX | XXXX A C |
| XXXX | 631626 | XXXX | XXXX A |
| XXXX | 632186 | XXXX | XXXX A |
| XXXX | 632198 | XXXX | XXXX D A B |
| XXXX | 632205 | XXXX | XXXX A |
| XXXX | 632215 | XXXX | XXXX A |
| XXXX | 632247 | XXXX | XXXX C A B |
| XXXX | 632261 | XXXX | XXXX A C |
| XXXX | 632264 | XXXX | XXXX A |
| XXXX | 632266 | XXXX | XXXX A |
| XXXX | 632267 | XXXX | XXXX A |
| XXXX | 632269 | XXXX | XXXX A |
| XXXX | 632271 | XXXX | XXXX D A B |
| XXXX | 632292 | XXXX | XXXX C A |
| XXXX | 632293 | XXXX | XXXX A |
| XXXX | 632295 | XXXX | XXXX A |
| XXXX | 632372 | XXXX | XXXX A |
| XXXX | 633046 | XXXX | XXXX A |
| XXXX | 633655 | XXXX | XXXX C A B |
| XXXX | 634252 | XXXX | XXXX A |
| XXXX | 635677 | XXXX | XXXX C A B |
| XXXX | 635948 | XXXX | XXXX D A B |
| XXXX | 635958 | XXXX | XXXX A |
| XXXX | 637197 | XXXX | XXXX A |
| XXXX | 637200 | XXXX | XXXX D A B |
| XXXX | 637205 | XXXX | XXXX A |
| XXXX | 637215 | XXXX | XXXX A |
| XXXX | 638768 | XXXX | XXXX C A B |
| XXXX | 639011 | XXXX | XXXX A |
| XXXX | 639110 | XXXX | XXXX D A |
| XXXX | 639117 | XXXX | XXXX A C |
| XXXX | 640342 | XXXX | XXXX C A |
| XXXX | 640819 | XXXX | XXXX A |
| XXXX | 641839 | XXXX | XXXX C A B |
| XXXX | 645704 | XXXX | XXXX C A B |
| XXXX | 648618 | XXXX | XXXX C A B |
| XXXX | 648680 | XXXX | XXXX A |
| XXXX | 651036 | XXXX | XXXX C A B |
| XXXX | 654657 | XXXX | XXXX A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 396703 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 68.46 | 68.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 458088 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 517551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 523615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.47 | 69.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 525025 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0127 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0127 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 531801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | 532081 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 532104 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 533827 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.18 | 68.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 538037 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 538069 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 545638 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 546818 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 566480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | 594352 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.25 | 46.25 | XXXX | XXXX | .1910 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1910 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 594734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 595489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0273 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0273 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 610924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 613022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 614888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 619513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0304 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0304 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 620700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 620887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0003 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0003 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 620907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 620910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 621441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.44 | 50.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 621515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 622784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 622798 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.22 | 61.22 | XXXX | XXXX | .0204 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0204 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 622817 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX | Not Eligible |  |  |
| XXXX | 622945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | 622949 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | 622979 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0141 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 623023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 623943 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.37 | 74.37 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 624482 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.82 | 56.82 | XXXX | XXXX | -.0400 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0400 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | 624752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 624753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 624754 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.84 | 37.84 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 624768 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 624785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 626473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 626505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 627170 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 74.9 | 74.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 628263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XXXX |
| XXXX | 628459 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 630309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 630675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.15 | 61.15 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 630923 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 631016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.06 | 58.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 631626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 632186 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 632198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 632205 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 632215 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 632247 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 632261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 632264 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.0 | 64.0 | XXXX | XXXX | -.0050 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0050 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 632266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 632267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 632269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 632271 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.1549 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | -.1549 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 632292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 632293 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 632295 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 632372 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.78 | 69.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 633046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0879 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0879 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 633655 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.88 | 68.88 | XXXX | XXXX | .0204 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0204 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 634252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 635677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 48.58 | 48.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XXXX |
| XXXX | 635948 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.21 | 48.21 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | 635958 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.5 | 61.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 637197 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 637200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 637205 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.73 | 69.73 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 637215 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 29.54 | 29.54 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 638768 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 72.62 | 72.62 | XXXX | XXXX | .0164 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0164 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 639011 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 639110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 639117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 640342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0108 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 640819 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 641839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 645704 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 648618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 41.03 | 41.03 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 648680 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.78 | 77.78 | XXXX | XXXX | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0667 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 651036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 654657 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0915 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0915 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**July 01, 2025<br> Due Diligence Narrative Report**<br>

![](ex99-5_002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

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![](ex99-5_002.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-5_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-5_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Capital Alliance, Clayton conducted an independent third-party pre-securitization due diligence review of 2 residential loans.

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 225 residential loans.

On behalf of Luxury Mortgage Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 3 residential loans.

Sutton Fuding LLC subsequently purchased these loans via reliance letter and selected them for the BARC 2025-NQM4 transaction. The loans referenced in this narrative report were reviewed on a flow basis from 12/2024 through 05/2025. 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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 225 | 97.83% |
| &nbsp;&nbsp;Retail | 5 | 2.17% |
| &nbsp;&nbsp;**Total** | **230** | **100.00%** |

---

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 2 July 01, 2025

![](ex99-5_002.jpg)

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

The scope of work for this transaction consisted of a credit review, property valuation review, a regulatory compliance review and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;REVIEW SCOPE | &nbsp;&nbsp;&nbsp;&nbsp;# OF FILES REVIEWED |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;&nbsp;230 |
| &nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;&nbsp;230 |
| &nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 188 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;&nbsp;230 |

---

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originatiors to Clayton 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.

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 3 July 01, 2025

![](ex99-5_002.jpg)

TPR Component Review Scope

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

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the
Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status
alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Examined income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Listed the property type as Coop, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Value Supported Analysis (230 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score 2.5 or less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

For further detail please refer to the BARC 2025-NQM4 Valuations Summary Report.

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 4 July 01, 2025

![](ex99-5_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

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

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

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firms 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.

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 5 July 01, 2025

![](ex99-5_002.jpg)

On, June 15th, 2016 SFIG 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 SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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

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

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

State and Federal High Cost and Higher-Priced:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 6 July 01, 2025

![](ex99-5_002.jpg)

migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Data Integrity

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Discrepancies found during comparison are stored

Data Capture

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

**Data Compare Results**

Clayton provided Sutton Funding LLC, 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 in relation to the 230 loans reviewed. The population was purchased on reliance letter.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| &nbsp;&nbsp;Combined LTV | 1 | 99.57% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 32 | 86.09% |
| &nbsp;&nbsp;Documentation Type | 3 | 98.70% |
| &nbsp;&nbsp;Lender Name | 3 | 98.70% |
| &nbsp;&nbsp;Loan Purpose | 1 | 99.57% |
| &nbsp;&nbsp;Maturity Date | 1 | 99.57% |
| &nbsp;&nbsp;Original Appraisal Date | 2 | 99.13% |
| &nbsp;&nbsp;Original LTV | 1 | 99.57% |
| &nbsp;&nbsp;Origination Channel | 3 | 98.70% |
| &nbsp;&nbsp;Property City | 1 | 99.57% |
| &nbsp;&nbsp;Property Type | 3 | 98.70% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 10 | 95.65% |
| &nbsp;&nbsp;Sales Price | 1 | 99.57% |

---

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 7 July 01, 2025

![](ex99-5_002.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results (KBRA)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| | **A** | **B** | **C** | **D** | **Total** |
| **A** | 119 |  | 17 | 23 | **159** |
| **B** |  | 39 | 19 | 13 | **71** |
| **C** |  |  |  |  | **0** |
| **D** |  |  |  |  | **0** |
| **Total** | **119** | **39** | **36** | **36** | **230** |

---

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 119 |  | 17 | 22 | **158** |
| **Final** | **B** |  | 39 | 19 | 14 | **72** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **119** | **39** | **36** | **36** | **230** |

---

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 (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 140 |  | 8 | 23 | **171** |
| **Final** | **B** |  | 41 | 10 | 8 | **59** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **140** | **41** | **18** | **31** | **230** |

---

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 8 July 01, 2025

![](ex99-5_002.jpg)

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| | **A** | **B** | **C** | **D** | **Total** |
| **A** | 140 |  | 8 | 23 | **171** |
| **B** |  | 41 | 10 | 8 | **59** |
| **C** |  |  |  |  | **0** |
| **D** |  |  |  |  | **0** |
| **Total** | **140** | **41** | **18** | **31** | **230** |

---

**Initial and Final Property Valuation Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 216 |  | 1 | 7 | **224** |
| **Final** | **B** |  | 6 |  |  | **6** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **216** | **6** | **1** | **7** | **230** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 216 |  | 1 | 6 | **223** |
| **Final** | **B** |  | 6 |  | 1 | **7** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **216** | **6** | **1** | **7** | **230** |

---

**Initial and Final Regulatory Compliance Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 161 |  | 17 |  | **178** |
| **Final** | **B** |  | 3 | 7 |  | **10** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **161** | **3** | **24** | **0** | **188** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (42 loans in pool)

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 9 July 01, 2025

![](ex99-5_002.jpg)

**Initial and Final Regulatory Compliance Grade Results (S&P)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 161 |  | 17 |  | **178** |
| **Final** | **B** |  | 3 | 7 |  | **10** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **161** | **3** | **24** | **0** | **188** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (42 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Stanadrd Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Waived Conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. 15E Form

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 10 July 01, 2025

![](ex99-5_002.jpg)

**ApPendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Paystubs

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 11 July 01, 2025

![](ex99-5_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Award letters

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Depository account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Settlements statements

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Leasehold estate

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 12 July 01, 2025

![](ex99-5_002.jpg)

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

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

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Correct loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 13 July 01, 2025

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

☐ FNMA 2860 – Individual Cooperative Appraisal Report. Used for individual cooperative units

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

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

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

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

☐ Accurate identification of the subject property

☐ Accurate identification of the subject loan transaction

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

☐ All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Location map

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

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

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

☐ Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

☐ Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 14 July 01, 2025

![](ex99-5_002.jpg)

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

☐ Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

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

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

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

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

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

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

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

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

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

☐ Property usage was reviewed for zoning compliance

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

☐ Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Predominant occupancy

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

☐ Style of property was reviewed to determine if unique property

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

☐ Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

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

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

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 15 July 01, 2025

![](ex99-5_002.jpg)

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

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

F. Disclaimer

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

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

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

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

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 16 July 01, 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 17 July 01, 2025

![](ex99-5_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 18 July 01, 2025

![](ex99-5_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 19 July 01, 2025

![](ex99-5_002.jpg)

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

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 20 July 01, 2025

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

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

---

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

---

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

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

---

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

---

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 21 July 01, 2025

![](ex99-5_002.jpg)

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

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

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

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

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

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

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

BARC 2025-NQM4 Due Diligence Narrative Report Page \| 22 July 01, 2025

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *230* | *230* | *230* | *230* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *111* | *111* | *111* | *111* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 6425433 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | The lender provided leases which was less than rent schedule, per guidelines. Leases calculated DSCR below <8, therefore calculated as No Ratio, which maximum LTV of 55%, which is below than subject LTV of 75%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $108,616.56 or 14.68 months PITI, guidelines required 0 months PITI. |
| 6360945 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | D | B | D | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | VOR in file for previous rental XXX. LOE in file states rent was paid in cash, Guidelines require Cancelled checks or bank statements when paying rent to an individual. | (No Data) | An exception dated XXX was provided for the missing cancelled checks. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $372,296.16 or 112.20 months reserves, Guidelines require $3,334.73 \* 6 = $20,008.38.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV, Guidelines allow 65%. |
| 6367448 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 in 35 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 FICO exceeds minimum 700 |
| 6357282 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 732 median FICO. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 54.50% LTV. Max allowed 70%.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: New housing payment is 13.54% less than previous loan. |
| 6363217 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Please provide missing Required Affiliate Business Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO exceeds minimum 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 16 months |
| 6363217 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | CMPTRID5115 | TRID - Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing | No | Please provide final CD with Broker contact information. Provided on PCCD Exception satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO exceeds minimum 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 16 months |
| 6425425 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7 months reserve |
| 6425016 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Final HUD-1 is incomplete. | 04/17/2025 lender provided Final HUD uploaded05/21/2025 lender provided Correct Final HUD | 04/17/2025 Clayton response: Final HUD provided was completed as a Cash purchase by this Borrower. Please provided Final HUD with purchase including mortgage loan in the original balance of $XXX. Additional conditions may apply. Exception remains.05/21/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years 8 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x99.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 746 exceeds min score requirement OF 725. |
| 6425017 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $142,328.24 or 82.55 months PITI, guidelines required 0 months PITI. |
| 6425019 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: VOR with a rental rating of 0x30x24<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 637 exceeds min score requirement of 625. |
| 6425020 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA dues for primary residence at XXX and missing mortgage payment documentation for XXX | 05/27/2025 lender provided PITI and Proof of no HOA | 05/27/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x39.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $61,659.02. Required reserves $0.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 8 years 6 months (since XXX). |
| 6425021 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITI $1639.38 for REO on XXX and rent schedule $1200 as stated on the final 1003. | 05/23/2025 lender provided Note and FSS for the REO.05/23/2025 Clayton response: Partial exception satisfied for PITI. Provide rent schedule $1200 as stated on the final 1003. Exception remains.06/10/2025 lender provided: Rental Schedule report | 06/10/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 784 exceeds guidelines 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 6425021 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing the Standard Flood Certification. | 04/24/2025 lender provided Flood Certificate | 04/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 784 exceeds guidelines 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 6425022 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has lived at primary residence for 19 years. |
| 6425023 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.69%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $867,013.82 or 173.59 months PITIA, guidelines required 0 months PITIA. |
| 6425024 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 qualifying score. Min required per guidelines is 675. |
| 6425025 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH148 | Credit report stale dated at closing | No | Borrower credit report dated XXX is > 90 days from Note date XXX. | 05/21/2025 lender provided Updated ULAW with comp factors uploaded05/22/2025 client acknowledged exception | 05/21/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and Mortgage payment history.05/22/2025 Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x77.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 753 exceeds min score requirement of 640. |
| 6425025 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower down payment of $XXX is less than 10% of the sales price $XXX and received gift funds of $XXX. Per DSCR Summary XXX restrictions- Gift allowed once borrower contributes a minimum 10% of the purchase price of their own funds. | 05/21/2025 lender provided Updated ULAW with comp factors uploaded05/22/2025 client acknowledged exception | 05/21/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and Mortgage payment history.05/22/2025 Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x77.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 753 exceeds min score requirement of 640. |
| 6425026 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Collateral is vacant investment property. Vacant investment properties are not eligible for refinance transaction. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.36% is below maximum of 60%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 741 exceeds min score requirement OF 725. |
| 6425027 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Missing 6 months rental coverage. | 05/02/2025 lender provided HOI reflecting rent loss coverage | 05/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 46 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 12 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $77,581.51 or 16.11 months PITIA, guidelines required 0 months PITIA. |
| 6425027 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | DSCR is below minimum of .80. Maximum LTV for No Ratio is 55%. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 46 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 12 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $77,581.51 or 16.11 months PITIA, guidelines required 0 months PITIA. |
| 6425028 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | 672 qualifying score. Min required per guidelines is 675. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years and 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 2 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.12% |
| 6425029 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Master Condo Policy expired XXX prior to transaction date XXX. | 04/01/2025- Client provided current master policy | 04/02/2025- Condition satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 10 years. |
| 6425031 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $1,033,319.53. CTC $XXX leaves reserves of $904,241.70 or 61.41 mos. |
| 6425032 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been self employed at current job for 24 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 683 exceeds guidelines 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 8.01% is below guideline requirement of 50%. |
| 6425033 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $121,751.82 or 89.65 months PITI, guidelines required 0 months PITI.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years. |
| 6425034 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject property is XXX acres. Guidelines maximum is 25 acres. Lender acknowledged exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (12 years 2 months).<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X50. |
| 6425035 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | 4/29/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 47.06% is below guideline requirements of 70%. |
| 6425036 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | B | B | N/A | N/A | B | B | B | B | B | B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Borrower is First Time Homebuyer with no rental history. Per guidelines, maximum LTV is 70% for DSCR. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $540,836.70 or 45.91 months PITIA, guidelines required 0 months PITIA. |
| 6425036 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | B | B | N/A | N/A | B | B | B | B | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | For existing Condo Project, at least 50% of total units to be owner occupied. Of 765 total units, 100, or 13.07%, are owner occupied. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $540,836.70 or 45.91 months PITIA, guidelines required 0 months PITIA. |
| 6425037 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV exceeds 75% | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 2 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 4 years. |
| 6425038 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary residence for 35 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 52.91% is below guideline requirements of 60%. |
| 6425039 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Minimum hazard insurance coverage per HOI RCE is $XXX. HOI coverage is $XXX. | 05/15/2025 lender provided Updated Insurance reflecting correct dwelling coverage of $XXX | 05/15/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 766 exceeds min score requirement OF 750<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x17.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.50% is below maximum of 75% |
| 6425042 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 14 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x70.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below maximum of 75% |
| 6425043 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 654 is below min score requirement of 660 for a No ratio DSCR. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x31. |
| 6425043 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 59.09% exceeds max LTV of 55% for a No ratio DSCR cash-out refinance.. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x31. |
| 6425044 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.01% is below maximum of 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x47. |
| 6425046 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 738 exceeds min score requirement of 725. |
| 6425047 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 qualifying score. Min required per guidelines is 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 60% File LTV 57.31% |
| 6425048 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing signature on the mortgage. | 3/28/25- Signature page located in closing package pg 53 of 124 | Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 32 months when 12 months are required. |
| 6425051 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qualifying score. Min required per guidelines is 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 69.91% |
| 6425052 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 660 |
| 6425053 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $238,353.51 or 183.13 months PITI, guidelines required 0 months PITI.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 3 years |
| 6425054 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 69.63%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $234,360.35 or 162.52 months PITI, guidelines required 0 months PITI. |
| 6425055 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $97,692.48 or 14.86 months PITIA, guidelines required 0 months PITIA |
| 6425056 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.14%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 646 qualifying score. Min required per guidelines is 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 10 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 45 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $148,335.40 or 68.20 months PITI, guidelines required 0 months PITI. |
| 6425059 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV for DSCR below <1 is 70%. Subject LTV is 75%. | 04/24/2025 lender response: Updated ULAW with comp factor uploaded04/24/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factor for Credit Score and mortgage payment history.04/25/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 19 months when 12 months are required. |
| 6425061 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 7 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $154,814.95 less cash from borrower $XXX equals $104,965.51 OR 60.65 months PITIA. |
| 6425062 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Credit | Assets | Waived | C | B | C | B | CRDAST205 | Insufficient Funds to Close | No | Verified assets $1,718.57. Cash to close $XXX short funds to close $6,266.21. | 04/30/2025 Updated ULAW with comp factors uploaded04/30/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factor for credit score. 05/01/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds guidelines 675. |
| 6425062 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds the maximum allowed for refinance transaction with score 682 of 75%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds guidelines 675. |
| 6425062 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject appraisal dated XXX listed occupancy as Owner Occupied for this refinance transaction of Investment property. Lease in file dated XXX. Provide appraisal with corrected occupancy listed. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds guidelines 675. |
| 6425064 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Assets | Waived | C | B | C | B | CRDAST205 | Insufficient Funds to Close | No | Verified assets $572,242.44. Cash required to close $XXX short EMD $193,800 clearance and funds to close $XXX for total funds short to close of $219,707.74. | 05/21/2025 lender response: Uploading copy of EMD check, no proof of clearance is needed per Sec 8.6. Uploading updated ULAW with comp factors05/22/2025 client acknowledged exception | 05/21/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and Mortgage payment history.05/22/2025 Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower 2 has mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 exceeds guidelines 750. |
| 6425067 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing the revised appraisal referenced in the field review. Additional conditions may apply. | 04/21/2025 lender provided Appraisal | 04/21/2025 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 33.20%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 qualifying score. Min required per guidelines is 660 |
| 6425067 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review discloses -13.33% variance with a value of $XXX and the OA value is $XXX. A Field Review is required. Field review provided at the time of initial review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 33.20%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 qualifying score. Min required per guidelines is 660 |
| 6425069 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of rent of present residence. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $793,630.65 or 197.42 months PITIA, guidelines required 0 months PITIA. |
| 6425070 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $78,924 exceed guidelines $0. |
| 6425071 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Master Condo Hazard Policy is missing. | 03/31/2025 lender provided Master Policy | 03/31/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: below 55%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years. |
| 6425071 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | For existing Condo projects, guidelines require at least 50% of units to be owner occupied. With 466 units 149 are owner occupied or 31.97%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: below 55%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years. |
| 6425072 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 740 exceeds guidelines 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 4 + years. |
| 6425076 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x16.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $13,325.42. Required reserves $0. |
| 6425077 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $130,522. CTC $XXX leaves reserves of $55,005.38 or 19.41 mos.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 10 years. |
| 6425078 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX is > 90 days from Note date XXX. Update required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72% is below max LTV of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x43. |
| 6425078 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Credit | Legal Documents | Waived | D | B | D | B | CRDLGL4033 | Missing Legal Document(s) | No | Missing fully-executed lease agreement for subject property. | 06/05/2025 lender provided Updated ULAW with comp factors06/05/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV and Mortgage Payment History.06/05/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72% is below max LTV of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x43. |
| 6425078 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation product to support appraised value. | 05/06/2025 lender provided UCDP Report | 05/06/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72% is below max LTV of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x43. |
| 6425080 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Loan is part of a 10 pack. Lender exception provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x36.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $110,513.95. CTC $XXX leaves reserves of $60,301.02 or 51.12 mos. |
| 6425081 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing cash reserves $9,033.44.. No reserves required. |
| 6425084 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 65%. |
| 6425085 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | DSCR score of 0.9862 is below min 1.0 for FTHB without prior rental history. lender exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 737 exceeds min score requirement of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $290,214.88. CTC $XXX leaves reserves of $130812.14 or 39.09 mos. |
| 6425087 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $101,106.37. Required reserves $0.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x46. |
| 6425089 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Exceeds 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: exceeds 12 months |
| 6425090 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | Repayment Ability | Waived | B | B | B | B | CMPSTRA1497 | File does not contain a repayment ability worksheet | No | Missing the repayment ability worksheet. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $33,541 exceed guidelines $0.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is 725. |
| 6425090 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 75% exceeds the maximum of 65% for Rural location and DSCR < 1%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $33,541 exceed guidelines $0.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score. Min required per guidelines is 725. |
| 6425093 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $271,086.46 less cash from borrower $XXX equals $123,007.11 OR 40.94 months PITIA. |
| 6425094 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score. Min required per guidelines is 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 60% |
| 6425099 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current job for 8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $44,308 exceed guidelines $0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.14%, max per guidelines is 50%. |
| 6425100 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 49.63%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 71 months when 12 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years and 3 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $350,834.07 or 144.39 months PITI, guidelines required 0 months PITI. |
| 6425102 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 qualifying score. Min required per guidelines is 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $1,608,813.28 less cash from borrower $XXX equals $1,361,943.07 or 229.67 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 6.17% |
| 6425103 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation to support the PITIA for newly obtained property XXX Unit #XXX. | 5/12/25- Client uploaded documents to support PITIA | 5/12/25- Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $1,608,813.28. CTC $XXX leaves reserves of $1,430,585.54 or 324.53 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 5.97% is below max DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 80%. |
| 6425105 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 74.99% exceeds max allowed for DSCR score < 0.80. Lender exception approval provided. | 4/29/25- Client acknowledged exception | final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $181,602.35. CTC $XXX leaves reserves of $55,484.89 or 12.24 mos. |
| 6425107 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 2 years 9 months. |
| 6425109 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 6 years, 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $50,485.64. Required reserves $0.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds min score requirement of 750. |
| 6425110 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 61 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $26,681.56 or 7.23 months PITI, guidelines required 0 months PITI. |
| 6425113 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below maximum of 70%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x48. |
| 6425116 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 qualifying score. Min required per guidelines is 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $48,101.64 or 12.81 months PITI, guidelines required 0 months PITI. |
| 6425117 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds max LTV of 75%. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 781 exceeds min score requirement of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: VOR with a rental rating of 0x30x71. |
| 6425120 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 740. |
| 6425121 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 31.290%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 39 months when 12 months are required. |
| 6425124 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Max Cash-in-Hand >65% LTV is $500,000. Borrower received $XXX with an LTV of 70%. Lender exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 780 exceeds min score requirement of 640. |
| 6425126 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying score. Min required per guidelines is 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $1,394,513.29 less cash from borrower $XXX equals $1,286,635.11 or 481.30 months PITIA. No reserves required. |
| 6425127 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $153,627.13. CTC $XXX leaves reserves of $56,039.96 or 31.87 mos. |
| 6425132 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradeline; guidelines require 3open/active tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $102,670.10 or 60.56 months PITI, guidelines required 0 months PITI. |
| 6425132 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Maximum LTV for purchase of rural property is 65%. Subject LTV is 80%. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $102,670.10 or 60.56 months PITI, guidelines required 0 months PITI. |
| 6425134 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below guideline requirements of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $266,289 exceed guidelines $0. |
| 6425135 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV for condotel is 70%, loan approved at 75%. Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified post-closing reserves are $136,300.51, none required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 793 is above the required score for top tier pricing of 780<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is positive. |
| 6425136 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reported to credit is positive.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 70% LTV, Max 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 qualifying score. Min required per guidelines is 675. |
| 6425137 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.54% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 749 exceeds min score requirement of 725. |
| 6425138 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 32.03%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qualifying score. Min required per guidelines is 725.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 28 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $576,383.00 or 122.42 months PITI, guidelines required 0 months PITI. |
| 6425140 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.98% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement OF 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $4,752.88. Required reserves $0. |
| 6425142 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $362,093.10 or 107.20 months PITI, guidelines required 0 months PITI. |
| 6425143 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITIA $5228 for REO on XXX as stated on the final 1003. | 05/28/2025 lender response: Updated 1003 and TIA uploaded | 05/28/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $319,845 exceed guidelines $0.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-borrowers have owned primary residence for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been XXX at current job for 35 years. |
| 6425145 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qualifying score. Min required per guidelines is 600<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $277,530.80 less cash from borrower $XXX equals $87,146.86 OR 34.02 months PITIA |
| 6425147 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 70 months when 12 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 qualifying score. Min required per guidelines is 780.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 30 years. |
| 6425148 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 55.25% LTV, Max 70% |
| 6425150 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x21. |
| 6425152 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Credit report shows a positive history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets are $8,416.28, none required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 45.98%, max is 75% |
| 6425154 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $280,956.18 funds to close $XXX = post-closing reserves $30,747.81, none required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 23 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 75% LTV, Max 80% |
| 6425155 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below guideline requirements of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 678 exceeds guidelines 650. |
| 6425156 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 80% File LTV 74.98% |
| 6456103 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 45 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Per guidelines, the maximum LTV is 65%. Loan closed with LTV of 20.55%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Per guidelines, the minimum credit score is 640. Loan closed with a credit score of 743.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgages reviewed for 99 months with 0 x 30. |
| 6425159 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 13 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.98%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $81,454.43 or 50.17 months PITIA, guidelines required 0 months PITIA. |
| 6425160 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Maximum LTV for DSCR below 1, is 70%. Subject LTV is 80%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 66 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $26,768.43 or 19.03 months PITI, guidelines required 0 months PITI. |
| 6425163 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have rented primary residence for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $44,708 exceed guidelines $0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.47% is below guideline requirement of 43%. |
| 6425165 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 20.23%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying score. Min required per guidelines is 660 |
| 6425166 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 qualifying score. Min required per guidelines is 760.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.10%; max allowed per guidelines is 75%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 61 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $421,908.44 or 133.64 months PITI, guidelines required 0 months PITI. |
| 6425167 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing title report. | 04/30/2025 lender provided Title report | 04/30/2028 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 24 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $142.072.88 or 29.64 months PITI, guidelines required 0 months PITIA. |
| 6425168 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing the title commitment. | 04/30/2025 lender provided Title report | 04/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 803 exceeds guidelines 750. |
| 6425170 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 qualifying score. Min required per guidelines is 80.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 10 years and 7 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 43 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $310,447.21 or 61.98 months PITI, guidelines required 0 months PITI. |
| 6425172 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan approved at 70% LTV. Max LTV for cash out with DSCR >0.8<1.0 is 65%. No exception approval noted in the file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good payment history over the 2 year review period, no late payments in that time. |
| 6425175 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 80%. |
| 6425176 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Good mortgage payment history reporting to credit.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 3 years |
| 6425177 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan submitted as a rate/term refinance but cash out is $XXX. Reviewed loan as cash out refinance. Transaction with recorded mortgage lien does not qualify as Delayed Financing for Rate and Term. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 674 exceeds min score requirement of 650. |
| 6425179 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Missing verification of rent lease of $4,995 for REO on XXX and proof of receipt. | 05/23/2025 lender provided lease for REO and updated ULAW with updated income and comp factors. | 05/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 exceeds guidelines 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has been employed at current job for 15 years. |
| 6425179 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing verification of bonus income for the prior two years and 2 years W2's to complete income calculation. | 05/23/2025 lender provided WVOE and updated income calculation to use all income showing on paystub and WVOE. | 05/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 exceeds guidelines 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has been employed at current job for 15 years. |
| 6425181 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has a good rental history |
| 6425185 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV for Condotel is 70%. Subject LTV is 75%. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $32,711.04 or 12.04 months PITIA, guidelines required 0 months PITIA. |
| 6425186 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrowers are required to contribute a minimum of 10% of the purchase price when using gift finds or $XXX. Borrowers contributed EMD $XXX and cash to close $XXX or a total of $114,038. Borrowers did not contribute the minimum 10%. | 06/02/2025 lender response: Updated ULAW with comp factors uploaded06/02/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV and Reserves.06/02/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 59.43% is below guideline requirements of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $87,324 exceed guidelines $0. |
| 6425187 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.44%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 49 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $85,344.98 or 73.98 months PITI, guidelines required 0 months PITI. |
| 6425189 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 798 exceeds guidelines 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $180,162 exceed guidelines $0. |
| 6425190 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $78,287.99. CTC $XXX leaves reserves of $11,899.39 or 5.27 mos.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 7 years. |
| 6425191 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing the third party fraud report. | 05/02/2025 lender provided XXX Report | 05/02/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55% is below guideline requirements of 75%. |
| 6425194 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV for No Ratio is 65%. Subject loan is 70%. Lender provided an exception. | 4/28/25- Lender acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 40 months when 12 months are required. |
| 6425197 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has lived at current address for 24 years. |
| 6425200 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 4 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: The credit report in file shows a good mortgage payment history. |
| 6425201 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $59,958.30. Required reserves $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 728 exceeds min score requirement of 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below maximum of 80%. |
| 6425202 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 5 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%. |
| 6425204 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan submitted as a DSCR however; borrower is a FTHB. Per LOE in file borrower has never owned property. Based on Seller GL XXX if originating as an investment is approved file will require DTI (versus DSCR) with = 43%. | 05/28/2025 lender response: Updated ULAW uploaded05/28/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, Credit Score and Reserves.05/29/2025 client acknowledged exception | 05/29/2025 Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $335442.21. CTC $XXX leaves reserves of $67,884.65 or 9.19 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 793 exceeds min score requirement of 750. |
| 6425205 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 34 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $15,957.34 or 12.25 months PITIA, guidelines required 0 months PITIA. |
| 6456104 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years and 10 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying score. Min required per guidelines is 640. |
| 6425212 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal verification of employment for CoBorrower XXX with XXX. | 05/15/2025 lender provided VVOE | 05/15/2025- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed same profession for 22 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 7 years and 11 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 44 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,010,628.77 or 176.75 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.88%, max per guidelines is 50.49%. |
| 6425213 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 0 months at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x20. |
| 6456105 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Desk Review indicates there is an Appraisal dated XXX for $XXX. Provide that Appraisal. | 05/20/2025 lender provided Appraisal | 05/20/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 61.08% LTV, Max 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history during the review period is positive. |
| 6456106 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 750 exceeds min score requirement of 740.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 44 months. |
| 6425217 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing sufficient coverage or RCE. Loan amt $XXX, current dwelling coverage $XXX. | 05/08/2025 lender response: Checklist of Coverage uploaded reflecting limit of dwelling coverage is up to loss settlement basis of Replacement cost | 05/08/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.82% is below max LTV of 65%. |
| 6425218 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 qualifying score. Min required per guidelines is 600<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 39.86% |
| 6425221 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.19% is below guideline requirements of 60%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.96% is below guideline requirement of 50%. |
| 6425222 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 10 years and 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.44%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $207,453.05 or 56.91 months PITI, guidelines required 0 months PITI. |
| 6425224 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum for loan $XXX cash out transaction of 65%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.90% is below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 6425224 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount of $XXX exceeds the maximum of $4MM lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.90% is below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 6425225 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per matrix, dated XXX, maximum LTV for cash out refinance, with credit score of 658, is 70%. Subject transaction is 75% LTV. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 13 years and 8 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $46,786.47 or 40.94 months PITI, guidelines required 40.94 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 5.71%, max per guidelines is 50%. |
| 6425226 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV exception for LTV of 70.01% exceeding max LTV of 60% for rural property. Lender exception approval provided allows for a max 65% | 05/13/2025 lender response: Updated ULAW uploaded05/14/2025 client acknowledged exception | 05/13/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score. Reserves and time in profession.05/14/2025 Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $189,718.28 less cash from borrower $XXX equals $189,718.28 or 23.42 months PITIA.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 qualifying score. Min required per guidelines is 675 |
| 6425227 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | Post-closing documents show Holdback for borrower at $XXX, and $XXX holdback for seller. | 05/07/2025 lender response: Inspection Repair report uploaded | 05/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 qualifying score. Min required per guidelines is 650<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.83%, max per guidelines is 50%. |
| 6425227 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Post-closing documents reflects additional funds to close at $XXX. Lender provided verification of funds at $177,311.40. | 04/22/2025 lender response: Loan closed correctly with roughly $XXX needed, this $XXX figure is not validated and not part of this transaction. That amount also does not line up with our LTV and nothing was paid through closing for borrowers credit. Uploading closing funds and Final Settlement Statement. | 04/22/2025 Clayton response: Final Settlement Statement provided has an unexplained entry on Page 1 of Buyer's funds to close of $XXX. Calculations support this entry to be a typo error and accepted as such. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 qualifying score. Min required per guidelines is 650<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.83%, max per guidelines is 50%. |
| 6425227 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Unable to locate verification of CPA and XXX License. Additionally, CPA letter did not provide verification length of time for borrower's XXX. | 04/22/2025 lender response: Borrower is XXX, a VVOE would not be completed at closing.04/22/2025 Clayton response: Our wording to require verbal verification of employment was misleading. Lender guidelines require Acceptable documentation supporting the existence of the business for the most recent two (2) years must be obtained. Exception remains.04/23/2025 lender provided Business Verification | 04/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 qualifying score. Min required per guidelines is 650<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.83%, max per guidelines is 50%. |
| 6425227 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing title document. | 03/26/2025 lender provided Title Report | 03/26/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 qualifying score. Min required per guidelines is 650<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.83%, max per guidelines is 50%. |
| 6425228 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 53.57% LTV, Max 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $10,226.84, none required. |
| 6425229 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Recording fee increase of $44 above tolerance, increased with no valid COC. Provide proof of refund, revised Closing Disclosure, COC explaining changes within 60 days of discovery with proof of delivery via shipping method that includes tracking information. | 4.17.25-Client provided PCCD issued XXX, copy of refund check and tracking information. | 4.17.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 1 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 750 |
| 6425230 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | The Master Home Owners Insurance expired XXX. | 04/10/2025 lender provided New Master Policy | 04/10/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 7 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 15 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 57 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $92,529.37 or 74.53 months PITIA, guidelines required 0 months PITIA. |
| 6425232 | XXXXXX | DE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard insurance dwelling coverage of $XXX is less than the estimated minimum rebuilding cost of $XXX and also less than the original principal balance of the loan of $XXX | 04/25/2025 lender response: Clarification on Extended Coverage uploaded reflecting 25% extended dwelling coverage | 04/25/2025 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 26 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified post closing reserves are $101,841.04, none required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reported to credit is positive.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.31%, max per guidelines is 50%. |
| 6425233 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount $XXX exceeds the maximum of $4MM. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 12 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 14 years. |
| 6425234 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years and 4 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 600 |
| 6425235 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Texas Home Equity | Satisfied | C | B | C | B | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Adjusted Charges of $2,822.00 equal to 2.001%; Maximum charges allowed $2,820.00 or 2.000%; charges exceed by $2.00 or .001%. | 5.8.25-Client provided most recent LDR. The discrepancy is caused by Title Guaranty Fee $2.00.Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.5.19.25-Client provided PCCD issued XXX, Copy of Refund Check and Tracking Information. | 5.8.25-Exception Remains.5.19.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 28 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed at current job for 30 years. |
| 6425236 | XXXXXX | TX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit Score of 666 is below minimum Credit Score of 680 for Rural location. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years and 1 months at current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 1 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 36.81% |
| 6425238 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 39.69% is below guideline requirements of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $29,603 exceed guidelines of $0. |
| 6425240 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster-XXX-Wildfires and Straight-Line Winds. | 05/08/2025 lender provided Inspection Repair Report | 05/08/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX sine XXX (5 years 4 months).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 674 exceeds min score requirement of 650. |
| 6425241 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | C | A | C | A | CMPFDCP2143 | TILA - Prohibited Comp to Broker by both borrower and 3rd Party | No | Borrower paid a broker fee, lender is not allowed to also compensate the broker.Final CD XXX Borrower paid Processing fee and PCCD XXX Lender paid the Processing fee. | 4.24.25-Client provided Settlement Statement dated XXX showing Lender Cure for Processing fee of $594, Post Closing/Reimbursement Letter dated XXX stating Principal Reduction increased by $594 & PCCD issued XXX with Processing fee of $594 paid by Borrower instead of Lender and $594 Lender Credit in Section J.Provide copy of refund check and tracking information.5.8.25-Settlement Statement date XXX shows Principal Reduction increased by $594 provided to borrower. | 4.24.25-Exception remains.5.8.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.55% is below guideline requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36.10% is below guideline requirements of 75%. |
| 6425241 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Provide proof of receipt for CD issued XXX. | 4.24.25-Client provided CD issued & signed XXX. | 4.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.55% is below guideline requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36.10% is below guideline requirements of 75%. |
| 6425241 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Provide proof of receipt for CD issued XXX. | 4.24.25-Client provided Package Details, CD issued XXX was not provided to borrower. | 4.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.55% is below guideline requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36.10% is below guideline requirements of 75%. |
| 6425242 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | State Consumer Protection | Waived | B | B | B | B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Provide SC Broker 'Amounts Earned' Disclosure. | 5.8.25-Client requested to Waive. | 5.8.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 17 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750. |
| 6425242 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.8.25-Client provided Initial CD issued & e-signed XXX. | 5.8.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 17 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750. |
| 6425242 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.8.25-Client provided Initial CD issued & e-signed XXX. | 5.8.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 17 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750. |
| 6425243 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.42% is below max LTV of 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 725 exceeds min score requirement of 700. |
| 6425244 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived | B | B | B | B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | (No Data) | 4.9.25-Client provided Borrower dated XXX handwritten hardship letter waiving 3 day waiting period.And Client Approval email. | 4.9.25-Exception Waived. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.73% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 667 exceeds guidelines 625. |
| 6425244 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $34,751.80. Cash to close $XXX with reserves $4,381.62. Required reserves $1,283.36 x 6 = $7,700.16 short reserves $3,318.34. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.73% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 667 exceeds guidelines 625. |
| 6425244 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds the maximum of 75% for non-warrantable condo. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.73% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 667 exceeds guidelines 625. |
| 6425245 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (9 years 10 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 39.41% is below maximum of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $74,525.35. Required reserves $0. |
| 6425247 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Borrower credit score of 661 below min required to waive escrows- Per matrix FICO minimum: 680 (Primary). Lender exception provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.33% is below max LTV of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 4 years 11 months. |
| 6425247 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has no open tradelines. 1 account on credit is authorized user. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.33% is below max LTV of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 4 years 11 months. |
| 6425248 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at current job for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds guidelines 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 4 years 10 months. |
| 6425250 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | C | A | C | A | CMPFDCP2143 | TILA - Prohibited Comp to Broker by both borrower and 3rd Party | No | Processing Fee $2400 started out being paid by Borrower. All CD's show this Processing fee paid by Lender.Borrower paid a broker fee, lender is not allowed to also compensate the broker. | 5.23.25-Client provided PCCD issued XXX, Copy of Refund Check and Tracking Information. | 5.23.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (7 years 9 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 787 exceeds min score requirement of 750. |
| 6425251 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (5 years 2 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 683 exceeds min score requirement OF 675<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $39,660.67. Required reserves $31,895.70. |
| 6425253 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is below maximum of 60%. |
| 6425254 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 5 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 40.10%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 qualifying score. Min required per guidelines is 680. |
| 6425255 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $9.60 due to Transfer Taxes fee increased with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 5.19.25-Client provided PCCD issued XXX, Copy of Refund Check and Tracking Information. | 5.19.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in same profession for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 68.49% is below guideline requirements 75%. |
| 6425256 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 4.18.25-Client provided Initial CD issued & signed XXX. | 4.18.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 15 years, 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $90,289.20. Required reserves $0. |
| 6425256 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof LE issued XXX was received. | 4.18.25-Client provided LE issued XXX & e-signed XXX. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 15 years, 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $90,289.20. Required reserves $0. |
| 6425256 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation for HOA dues for property located at XXX. | 5/12/25- Client uploaded HOA doc as requested | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 15 years, 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $90,289.20. Required reserves $0. |
| 6425256 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Loan Amounts for Refinance > $1.5M requires two (2) Appraisals. Missing 2nd appraisal. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 15 years, 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $90,289.20. Required reserves $0. |
| 6425258 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.40%, max per guidelines is 50%. |
| 6425259 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | The HOA Questionnaire fee of $650 is an APR fee per our testing but the LDR shows it is not an APR fee per the Clients testing.Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.3.25-Client states "The HOA fee is a 3rd party fee charged by the subject property's HOA in order to determine liabilities on the property. We do not consider it an APR fee as it is not charged by the lender or broker, and is most similar to an appraisal fee." Our outside counsel is firm that it is a finance charge if the third party fee was required by the creditor as a condition of or incident to the loan. Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.4.10.25-Client provided PCCD issued XXX, copy of refund check and tracking information. | 4.3.25-Exception Remains.4.10.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 9 years 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.99% is below maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 715 exceeds min score requirement OF 700. |
| 6425259 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | The HOA Questionnaire fee of $650 is an APR fee per our testing but the LDR shows it is not an APR fee per the Clients testing.Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.3.25-Client states "The HOA fee is a 3rd party fee charged by the subject property's HOA in order to determine liabilities on the property. We do not consider it an APR fee as it is not charged by the lender or broker, and is most similar to an appraisal fee." Our outside counsel is firm that it is a finance charge if the third party fee was required by the creditor as a condition of or incident to the loan. Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.4.10.25-Client provided PCCD issued XXX, copy of refund check and tracking information. | 4.3.25-Exception Remains.4.10.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 9 years 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.99% is below maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 715 exceeds min score requirement OF 700. |
| 6425259 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing final signed 1003. | 04/02/2025 lender provided Signed Final 1003 | 04/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 9 years 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.99% is below maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 715 exceeds min score requirement OF 700. |
| 6425260 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing verification of 2 years XXX for B1, CPA letter in file did not state duration of self employment. | 5/12/25- Client uploaded CPA letter verifying 2 yrs employment | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 737 exceeds guidelines 640. |
| 6425261 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 18 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been working the same job for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $274,725.30 funds to close $XXX = post-closing reserves $97,990.63, none required. |
| 6425262 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the bank statement for XXX #XXX XXX to complete the income calculation for B2. | 04/02/2025 lender provided XXX Bank Statement | 04/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 805 exceeds guidelines 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $72,719 exceed guidelines $62,735.94. |
| 6425263 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 10 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 6 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 40.85% |
| 6425265 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 18 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 13 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified assets $368,587.14 funds to close $XXX = post-closing reserves $82,411.73, none required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 45.34%, max per guidelines is 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 45, 99, 38 & 99 months when 12 months are required. |
| 6425266 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2412 | Income documents in file are not for consecutive years | No | Missing XXX Bank stmt. Closed old acct XXX. New acct opened XXX. Borrower used XXX instead to give a 12 mo history. Lender exception approval provided to allow. | 5/12/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX for over 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.42% is below max DTI of 50%. |
| 6425266 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | The appraisal report has been written "SUBJECT TO" installation of a carbon monoxide detector. No 442 or documentation in file to confirm completion. | 5/12/25- Client uploaded 442 for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX for over 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.42% is below max DTI of 50%. |
| 6425268 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 2 months at current profession. |
| 6425271 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.8.25-Client provided Initial CD issued & e-signed XXX. | 5.8.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years 10 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves$84,907.29. Required reserves $0. |
| 6425271 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.8.25-Client provided Initial CD issued & e-signed XXX. | 5.8.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years 10 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves$84,907.29. Required reserves $0. |
| 6425271 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Exception in file for rate of 8.625% and 100.000 BPC, 75% LTV. Max LTV: 70.000%. Your LTV:75.000% | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years 10 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves$84,907.29. Required reserves $0. |
| 6425272 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years and 1 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 31.17%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years and 0 months at current profession. |
| 6425273 | XXXXXX | NH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST115 | Cash reserves do not meet guidelines | No | Per guidelines, require 6 months reserves. Verified assets calculate 4.24 months reserves. | 05/19/2025 lender response: Uploading updated ULAW with comp factors05/19/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for DTI, Credit Score, Mortgage payment history.5/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score. Min required per guidelines is 760.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 42 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.98%, max per guidelines is 50%. |
| 6425273 | XXXXXX | NH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Per guidelines, for purchase transaction, 12 months policy is required. The insurance binder provided covers 1 months. Additionally, the HUD does not show 12 month policy paid at closing, and 4 months escrow provided. | 05/19/2025 lender response: Uploading policy showing PIF and good to XXX.5/19/2025 Clayton response: the Insurance Binder provided shows an expiration date of XXX. Exception remains.06/10/2025 lender response: Policy uploaded is sufficient as it shows eff XXX XXX under special conditions section | 06/10/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score. Min required per guidelines is 760.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 42 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.98%, max per guidelines is 50%. |
| 6425273 | XXXXXX | NH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV for Non Warr Condo is 75%. Subject LTV is 80%. Lender provided an exception. | 05/19/2025 lender response: Uploading updated ULAW with comp factors05/19/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for DTI, Credit Score, Mortgage payment history.5/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score. Min required per guidelines is 760.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 42 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.98%, max per guidelines is 50%. |
| 6425275 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2408 | Income verification does not meet guidelines | No | Income verification does not meet guidelines: Borrower has not been XXX for 24 months. Exception in file for 7.5% and par for less than 2 years XXX, family owned business l/a over $XXX for XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement OF 750<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.35% is below maximum of 80%. |
| 6425276 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing bank statements from XXX #XXX for XXX & XXX to complete income statement calculation. | 05/23/2025 lender provided Bank Statements | 05/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below guideline requirements of 75%. |
| 6425278 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 is XXX at current job for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 exceeds guidelines 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 6425279 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 7 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years and 8 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 16.97% |
| 6425280 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying score. Min required per guidelines is 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 46.02%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 14 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 65.88%, Max 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower lived at the current residence for 6 years |
| 6425281 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.14% is below max LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 740 exceeds min score requirement of 700. |
| 6425282 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Exception in file for rate of 7.250% and par, 61% LTV For Rate/term Refi rural property Loan Amount: $XXX- Max LTV: 60.000%. Your LTV:60.31000%. Lender exception approval provided. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X27.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 667 exceeds min score requirement of 650. |
| 6425283 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Discrepancy caused by HOA Questionnaire Fee of $459.95.Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.24.25-Client provided PCCD issued XXX, copy of refund check & tracking information. | 4.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (7 years, 4 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 802 exceeds min score requirement OF 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $45,520.15. Required reserves $30,114.30. |
| 6425283 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Discrepancy caused by HOA Questionnaire Fee of $459.95.Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.24.25-Client provided PCCD issued XXX, copy of refund check & tracking information. | 4.24.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (7 years, 4 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 802 exceeds min score requirement OF 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $45,520.15. Required reserves $30,114.30. |
| 6425284 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 44.08%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 qualifying score. Min required per guidelines is 700 |
| 6425285 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $528,515 exceed guidelines $42,643.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.97% is below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has rented prior residence for 8 years. |
| 6425287 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score. Min required per guidelines is 780 |
| 6425288 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Provide proof of receipt for CD issued XXX and CD issued XXX-1 with Closing Costs $14,529.51 & Cash to Close $XXX). | 5.8.25-Client provided XXX Package Details showing CD's issued XXX & XXX-1 were not actually issued to borrower. | 5.8.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 14 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.06% is below guideline requirement of 50%. |
| 6425288 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $4099.05 + cash to borrower $XXX for total reserves $6515.39. Required reserves $16,639.96, short reserves of $10,024.57. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 14 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.06% is below guideline requirement of 50%. |
| 6425290 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing the mortgage payment history for REO on XXX with XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 exceeds guidelines 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years. |
| 6425290 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PI $XXX with XXX for REO on XXX as stated on the final 1003. | 05/29/2025 lender response: Uploading insurance for XXX showing mortgagee loan #XXX which is also reporting on credit pg 3 with servicer as being closed as of XXX. Uploading corrected 1003 to remove the liability from the REO and an updated ULAW. | 05/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 exceeds guidelines 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years. |
| 6425291 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Transfers on bank statements from account#XXX are not business related per divorce decree. | Client provided updated bank statement to support inclusion of an excluded income source, DTI is within guidelines. | 05/05/2025- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is below maximum of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 687 exceeds min score requirement OF 650. |
| 6425291 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing bank statement within 45 days of closing. The latest dated bank statement #XXX is dated XXX and greater than 45 days from XXX closing date. | 05/06/2025 lender response: Per Credit Memo dated XXX, asset expiration has been pushed out to 90 days. | 05/06/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is below maximum of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 687 exceeds min score requirement OF 650. |
| 6425293 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 65% File LTV 53.37%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 1 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 45.01% |
| 6425294 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 138 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.07%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $132,258.05 or 19.76 months PITI, guidelines required 6 months PITI. |
| 6425295 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Final LE issued XXX was received. | 5.8.25-Client provided LE issued & e-signed XXX. | 5.8.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX at current job for 14 years. |
| 6425295 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified asset $21,371.40. Cash to close $XXX with reserves $20,155.36. Required reserves $11,783.65 x 6 = $70,701.90 short reserves $50,646.54. Lender approval in file for 3 months reserves of $35,350.95. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX at current job for 14 years. |
| 6425295 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 77.87% exceeds the maximum of 70%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX at current job for 14 years. |
| 6425296 | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Income docs provided are for P&L program. P&L required to be prepared for third party. | 05/21/2025 lender response: Loan is full doc, not the stand-alone P&L program, for full doc P&Ls, they do not need to be audited by a 3rd party, they only need to be signed by borrower, which they are05/21/2025 Clayton response: Full Doc program requires signed tax returns in addition to P&L statement. Please provide signed tax returns. Exception remains.06/10/2025 lender response: This is what the initial exception was for, there are no XXX tax returns since they are XXX less than a year, but we do have the prior job WVOE to round out the document requirement. Please clear this finding. | 06/10/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 725.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x36. |
| 6425296 | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2408 | Income verification does not meet guidelines | No | Exception in file for XXX less than 12 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 725.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x36. |
| 6425298 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Verbal verification of employment missing within 10 calendar days of Note date. | 04/30/2025- Client provided VVOE. | 05/01/2025- Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 54.55% is below guideline requirements 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 owned departure residence for 25 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current job for 23 years. |
| 6425299 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years and 0 months at current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 24.64% |
| 6425300 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing ULAW from file for review. | 04/11/2025 lender provided ULAW | 04/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.29% is below max LTV of 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at subject property for over 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 9.10% is below max DTI of 50%. |
| 6425301 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Exceeds 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: In the profession 8 years |
| 6425302 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Compliance Manual | Satisfied | C | A | C | A | CMPMAN2990 | 1003 - Final Application is not Accurate | No | Final 1003 to reflect accurate number of years renting (10 per initial 1003) and start date of XXX as XXX per initial 1003. | 06/03/2025 lender provided Corrected 1003 | 06/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $41,311.30. Required reserves $35,347.20.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (6 years 11 months). |
| 6425304 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified $83,403.57. CTC $XXX leaves reserves of $8,995.91 or 3.03 mos. 6 mos required. Lender exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.70% is below max DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below max LTV of 90%. |
| 6425304 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing proof of receipt of $XXX gift funds. | 06/10/2025 lender response: Updated ULAW with comp factors uploaded06/10/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV and DTI.06/11/2025 client acknowledged exception | 06/11/2025 Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.70% is below max DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below max LTV of 90%. |
| 6425306 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (12 years 3 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.66% is below maximum of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 767 exceeds min score requirement of 750. |
| 6425309 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Documented assets $83,604.95 funds to close $XXX = post-closing reserves $28,094.11, required reserves are $36,728.32. Exception approval in file for short reserves. | 4/28/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 10 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 23.4 is less than the maximum DTI of 505 |
| 6425310 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $522,481.73 funds to close $XXX = post-closing reserves $316,185.72, none required. |
| 6425311 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.9.25-Client provided Initial CD issued & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (14 years 1 month).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 771 exceeds min score requirement of 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x49. |
| 6425311 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof final LE issued XXX was received at least 3 business days prior to Closing. | 5.9.25-Client provided LE issued & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (14 years 1 month).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 771 exceeds min score requirement of 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x49. |
| 6425311 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification if applicable of HOA dues for XXX. | 06/02/2025 lender response: Mortgage as PITI uploaded. Mortgage reflecting Tax & Ins. and No HOA for this property. | 06/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (14 years 1 month).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 771 exceeds min score requirement of 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x49. |
| 6425312 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of some or all components of non-subject PITI: HOA and property tax verification for XXX | 06/06/2025 lender response: XXX for XXX uploaded | 06/06/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence , 15 years 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (20 years 1 month).<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $73,931.23. Required reserves $0. |
| 6425312 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing month of XXX business bank statement with XXX#XXX confirming deposits of $168.806.81 and deductions of $5,100.00. | 05/06/2025 lender provided XXX Bank Statement | 05/06/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence , 15 years 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (20 years 1 month).<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $73,931.23. Required reserves $0. |
| 6425312 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing legible Flood Certification Document | 05/06/2025 lender provided Flood Certificate | 05/06/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence , 15 years 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (20 years 1 month).<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $73,931.23. Required reserves $0. |
| 6425312 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Guidelines require loan amounts to be rounded down to $50 increments. Subject Loan Amount is $XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence , 15 years 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (20 years 1 month).<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $73,931.23. Required reserves $0. |
| 6425313 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at subject property for over 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.53% is below max DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.17% is below max LTV of 70%. |
| 6425314 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Initial CD: XXX APR Stated as 7.9%, Final CD: XXX APR Stated as 7.489%, APR decreased by 0.411.Interest Rate decreased but Discount Points added without COC. | 4.25.25-Client provided COC XXX stating the addition of a discount fee in exchange for lowering the rate. | 4.25.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current job for 29 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned departure residence for 13 years. |
| 6425314 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $5610 due to Discount Points fee added with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.25.25-Client provided COC XXX stating the addition of a discount fee in exchange for lowering the rate. | 4.25.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current job for 29 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned departure residence for 13 years. |
| 6425314 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing bank statements from XXX for accounts #XXX & #XXX confirming assets of $93,034.68 to cover closing costs and reserves. | 05/17 2025 lender response: Uploading XXX #XXX showing the $93K. | 05/17/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current job for 29 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned departure residence for 13 years. |
| 6425314 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed | No | Appraisal is not signed by appraiser. | 04/24/2025 lender provided Signed Appraisal | 04/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current job for 29 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned departure residence for 13 years. |
| 6425315 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Provide proof CD issued XXX was received. | 5.9.25-Client provided CD Issued XXX. Provide proof CD issued XXX was received.5.15.25-Client provided Initial CD issued & e-signed XXX. | 5.9.25-Exception Remains.5.15.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $536,611 exceed guidelines $34,893.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned departure residence for 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX. |
| 6425316 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. | 04/24/2025 lender provided UCDP Report | 04/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 798 exceeds guidelines 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 15 years. |
| 6425317 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Open collection as of XXX with XXX in the amount of $2,102 must be paid. | 4/28/25- Lender acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (6 years 3 months).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 661 exceeds min score requirement of 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 80%. |
| 6456099 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH117 | Length of credit history in file does not meet guideline requirement | No | 20 months older tradeline | 5/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 740 score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV VERSUS 85 % MAX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on credit report |
| 6425319 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective date XXX is greater than the transaction/disbursement date XXX. | 05/06/2025 lender provided previous Insurance | 05/06/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 12 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX at current job for 18 years. |
| 6425319 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 65% exceeds the maximum for cash out transaction on Manufactured Home of 60%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 12 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX at current job for 18 years. |
| 6425320 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof LE issued XXX was received. | 5.9.25-Client provided LE issued XXX & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.45% is below max LTV of 75%<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Mortgage pymt decreased from $6602.91 to $6117.86.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.03% is below max DTI of 50%. |
| 6425320 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX bank stmt used in income analysis. | 06/04/2025 lender provided XXX Bank Statement | 06/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.45% is below max LTV of 75%<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Mortgage pymt decreased from $6602.91 to $6117.86.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.03% is below max DTI of 50%. |
| 6456101 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Provide documentation of sufficient coverage or RCE. Current dwelling coverage $XXX. Loan amount $XXX. | 6/20/25- The estimated cost to rebuild new on the appraisal is $XXX. | Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI of 5.06% is less than than maximum DTI of 50.49%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 70% LTV, Max 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $921,417.34 funds to close $XXX = Post-closing reserves $633,640.09. No reserves required. |
| 6425321 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash Out Amount of $1,369,602.19 exceeds maximum of $500,000, for LTV greater than 65%. Subject LTV is 70%. Lender exception is in the file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 20 years |
| 6425322 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for Initial CD issued XXX. | 5.9.25-Client provided Initial CD issued & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.78% is below guideline requirement of 43%. |
| 6425322 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for Initial CD issued XXX. | 5.9.25-Client provided Initial CD issued & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.78% is below guideline requirement of 43%. |
| 6425322 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 80% exceeds the maximum for FTHB with no prior housing history of 70%. Lender approval in file. | Final grade B | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.78% is below guideline requirement of 43%. |
| 6425323 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive rental payment history 0x30x24.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.98% is below maximum of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement of 750. |
| 6425324 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.9.25-Client provided Initial CD issued & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.51%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 679 qualifying score. Min required per guidelines is 660 |
| 6425324 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof LE issued XXX was received. | 5.9.25-Client provided an LE for a different Loan#. Provide proof LE issued XXX was received.5.15.25-Client provided LE issued & e-signed XXX. | 5.9.25-Exception Remains.5.-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.51%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 679 qualifying score. Min required per guidelines is 660 |
| 6425325 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 39.91% |
| 6425326 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 13 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive previous mortgage payment history 0x30x31.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (14 years 2 months). |
| 6425327 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.9.25-Client provided Initial CD issued XXX & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 6 years 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 33.33%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $257,619.16 or 103.77 months PITI, guidelines required 0 months PITI. |
| 6425327 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.9.25-Client provided Initial CD issued XXX & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 6 years 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 33.33%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $257,619.16 or 103.77 months PITI, guidelines required 0 months PITI. |
| 6425328 | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current property for over 33 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.78% is below max LTV of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.70% is below max DTI of 50%. |
| 6425329 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing HOA documentation for XXX; XXX; XXX | 05/20/2025 lender provided These properties do not have any HOA dues. Uploading insurance for all 3 and they each have full liability and dwelling coverage indicating that there is no HOA. | 05/20/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 14 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (14 years 11 months).<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x41. |
| 6425329 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Exception in file for rate of 7.5%, 80% LTV For Purchase Loan Amount: $XXX- Max LTV: 75.000%. Your LTV:80.000% | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 14 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (14 years 11 months).<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x41. |
| 6425330 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing complete appraisal. Only first 4 pages provided. | 05/07/2025 lender provided Appraisal | 05/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at subject property for over 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.09% is below max LTV of 65%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x99. |
| 6425331 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.9.25-Client provided Initial CD issued & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 10 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $667,891.47 less cash from borrower $XXX equals $200,496.58 or 11.23 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score. Min required per guidelines is 640 |
| 6425331 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.9.25-Client provided Initial CD issued & e-signed XXX. | 5.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 10 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $667,891.47 less cash from borrower $XXX equals $200,496.58 or 11.23 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score. Min required per guidelines is 640 |
| 6425332 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $245,533.97 less cash from borrower $XXX equals $98,382.67 or 16.39 months PITIA. Required Reserves of 6 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years. |
| 6425333 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years and 0 months at current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years and 8 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 qualifying score. Min required per guidelines is 620 |
| 6425334 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX (8 years 7 months).<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $195,870.53. Required reserves $40,822.26.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X60. |
| 6425335 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below guideline requirements of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $19,366 exceed guidelines $0. |
| 6425336 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 63.16%, max 70%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The co-borrower has been in the same profession for 15 years |
| 6425337 | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of HOA for property located at XXX. | 05/05/2025 lender provided HOA for non subject | 05/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $151,881.08. Required reserves $56,229.96.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 qualifying score. Min required per guidelines is 700. |
| 6425338 | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 84.96% is below maximum of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 774 exceeds min score requirement of 750. |
| 6456098 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 qualifying score. Min required per guidelines is 640. |
| 6425339 | XXXXXX | WI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $324,425.13 funds to close $XXX = post-closing reserves $146,170.89, required reserves are $168,604.30. Exception approval in file for reserves. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 8 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI 16.49 is less than the max DTI of 50% |
| 6456108 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.29.25-Client provided Initial CD issued & e-signed XXX. | 5.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, b1: 13 years 3 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X52<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $27,027.63. Required reserves $21,635.34. |
| 6456108 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.29.25-Client provided Initial CD issued & e-signed XXX. | 5.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, b1: 13 years 3 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X52<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $27,027.63. Required reserves $21,635.34. |
| 6456100 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.29.25-Client provided Initial CD issued & e-signed XXX. | 5.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 1 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 38.52%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying score. Min required per guidelines is 740. |
| 6456100 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 5.29.25-Client provided Initial CD issued & e-signed XXX. | 5.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 1 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 38.52%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying score. Min required per guidelines is 740. |
| 6456100 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing proof of receipt of gift funds. | 6/20/25- Copy of wire transfer of gift funds provided | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 1 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 38.52%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying score. Min required per guidelines is 740. |
| 6456100 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $60,197.80 CTC $XXX leaves reserves of $4,361.78 or 2.67 months. Required 6 mos. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 1 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 38.52%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying score. Min required per guidelines is 740. |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *230* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *111* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Loan Credit Grade** | **Final Securitization Loan Credit Grade** | **Initial Securitization Loan Property Valuation Grade** | **Final Securitization Loan Property Valuations Grade** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Loan Credit Grade** | **Final S&P Loan Credit Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 6425433 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 6360945 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 6367448 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6357282 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6363217 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 6425425 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425016 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425017 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425019 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425020 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425021 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425022 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425023 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425024 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425025 | N/A | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 6425026 | N/A | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | No |
| 6425027 | N/A | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Yes |
| 6425028 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425029 | N/A | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 6425031 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 6425032 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425033 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425034 | N/A | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Yes |
| 6425035 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6425036 | N/A | XXXXXX | XXXXXX | B | B | B | B | B | B | N/A | N/A | B | B | B | B | B | B | N/A | N/A | No |
| 6425037 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425038 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425039 | N/A | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 6425042 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425043 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 6425044 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425046 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425047 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425048 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 6425051 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425052 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425053 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425054 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425055 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425056 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425059 | N/A | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 6425061 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425062 | N/A | XXXXXX | XXXXXX | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | No |
| 6425064 | N/A | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 6425067 | N/A | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable |
| 6425069 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425070 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425071 | N/A | XXXXXX | XXXXXX | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Not Applicable |
| 6425072 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 6425076 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425077 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 6425078 | N/A | XXXXXX | XXXXXX | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | No |
| 6425080 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 6425081 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425084 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425085 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425087 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425089 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425090 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Yes |
| 6425093 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425094 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425099 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 6425100 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425102 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425103 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes |
| 6425105 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425107 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425109 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425110 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425113 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425116 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425117 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 6425120 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425121 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425124 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 6425126 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425127 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425132 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 6425134 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425135 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425136 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425137 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425138 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425140 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425142 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425143 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425145 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425147 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425148 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425150 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425152 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425154 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425155 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 6425156 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6456103 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425159 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425160 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6425163 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425165 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425166 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425167 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 6425168 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425170 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6425172 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 6425175 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425176 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425177 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 6425179 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 6425181 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425185 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425186 | N/A | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 6425187 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425189 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425190 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 6425191 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 6425194 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425197 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6425200 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425201 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425202 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425204 | N/A | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 6425205 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6456104 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425212 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 6425213 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6456105 | N/A | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 6456106 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425217 | N/A | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 6425218 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425221 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425222 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425224 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425225 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425226 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 6425227 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 6425228 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425229 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 6425230 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 6425232 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 6425233 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425234 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425235 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 6425236 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425238 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6425240 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 6425241 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 6425242 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 6425243 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425244 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Yes |
| 6425245 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425247 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425248 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6425250 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 6425251 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425253 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425254 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425255 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 6425256 | Yes | XXXXXX | XXXXXX | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | No |
| 6425258 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425259 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Yes |
| 6425260 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425261 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425262 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425263 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425265 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425266 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Yes |
| 6425268 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425271 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Yes |
| 6425272 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425273 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 6425275 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425276 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425278 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425279 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425280 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425281 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425282 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6425283 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Yes |
| 6425284 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425285 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425287 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425288 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 6425290 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 6425291 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6425293 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425294 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425295 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Yes |
| 6425296 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 6425298 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 6425299 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425300 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 6425301 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425302 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Yes |
| 6425304 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 6425306 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425309 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425310 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425311 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 6425312 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 6425313 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425314 | Yes | XXXXXX | XXXXXX | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | No |
| 6425315 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 6425316 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 6425317 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6456099 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425319 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 6425320 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 6456101 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 6425321 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6425322 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Yes |
| 6425323 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425324 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 6425325 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425326 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425327 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 6425328 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425329 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 6425330 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Yes |
| 6425331 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 6425332 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425333 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425334 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6425335 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 6425336 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425337 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 6425338 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6456098 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6425339 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6456108 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 6456100 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Yes |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *230* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 6360945 | XXXXXX | Documentation Type | No Doc | DSCR |
| 6360945 | XXXXXX | Property Type | SFR | Detached PUD |
| 6360945 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 6367448 | XXXXXX | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 6367448 | XXXXXX | Lender Name | XXXXXX | XXXXXX |
| 6367448 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 6367448 | XXXXXX | Origination Channel | Retail | Broker |
| 6367448 | XXXXXX | Property Type | SFR | 5+ Units |
| 6357282 | XXXXXX | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 6357282 | XXXXXX | Lender Name | XXXXXX | XXXXXX |
| 6357282 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 6357282 | XXXXXX | Origination Channel | Retail | Broker |
| 6357282 | XXXXXX | Property Type | SFR-Attached | 5+ Units |
| 6363217 | XXXXXX | Debt to Income Ratio (Back) | 48.2490 | 39.9485 |
| 6363217 | XXXXXX | Lender Name | XXXXXX | XXXXXX |
| 6363217 | XXXXXX | Origination Channel | Retail | Broker |
| 6425425 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 6425021 | XXXXXX | Debt to Income Ratio (Back) | 42.6000 | 38.6621 |
| 6425022 | XXXXXX | Representative Credit Score for Grading | 795 | 787 |
| 6425034 | XXXXXX | Debt to Income Ratio (Back) | 49.9000 | 44.0868 |
| 6425064 | XXXXXX | Representative Credit Score for Grading | 776 | 791 |
| 6425084 | XXXXXX | Combined LTV | 49.7000 | 60 |
| 6425084 | XXXXXX | Original LTV | 49.7000 | 60 |
| 6425099 | XXXXXX | Debt to Income Ratio (Back) | 33.5000 | 39.1431 |
| 6425113 | XXXXXX | Debt to Income Ratio (Back) | 1026.2000 | 0 |
| 6425143 | XXXXXX | Debt to Income Ratio (Back) | 43.6000 | 39.2783 |
| 6425163 | XXXXXX | Representative Credit Score for Grading | 764 | 758 |
| 6425170 | XXXXXX | Debt to Income Ratio (Back) | 41.4000 | 45.3136 |
| 6425177 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 6425179 | XXXXXX | Debt to Income Ratio (Back) | 44.3000 | 49.8387 |
| 6425179 | XXXXXX | Representative Credit Score for Grading | 790 | 783 |
| 6425202 | XXXXXX | Representative Credit Score for Grading | 822 | 806 |
| 6425221 | XXXXXX | Debt to Income Ratio (Back) | 45.5000 | 33.9558 |
| 6425226 | XXXXXX | Debt to Income Ratio (Back) | 49.2000 | 53.909 |
| 6425227 | XXXXXX | Debt to Income Ratio (Back) | 41.4000 | 32.8258 |
| 6425245 | XXXXXX | Debt to Income Ratio (Back) | 19.9000 | 15.9548 |
| 6425250 | XXXXXX | Debt to Income Ratio (Back) | 49.7000 | 40.739 |
| 6425253 | XXXXXX | Debt to Income Ratio (Back) | 49.1000 | 28.3073 |
| 6425256 | XXXXXX | Debt to Income Ratio (Back) | 29.0000 | 19.7627 |
| 6425262 | XXXXXX | Debt to Income Ratio (Back) | 47.0000 | 43.1012 |
| 6425265 | XXXXXX | Debt to Income Ratio (Back) | 41.9000 | 45.3449 |
| 6425266 | XXXXXX | Debt to Income Ratio (Back) | 29.3000 | 25.4198 |
| 6425268 | XXXXXX | Debt to Income Ratio (Back) | 44.5000 | 37.2691 |
| 6425268 | XXXXXX | Representative Credit Score for Grading | 740 | 754 |
| 6425271 | XXXXXX | Debt to Income Ratio (Back) | 42.1000 | 37.8537 |
| 6425273 | XXXXXX | Debt to Income Ratio (Back) | 44.5000 | 32.9799 |
| 6425275 | XXXXXX | Representative Credit Score for Grading | 750 | 758 |
| 6425283 | XXXXXX | Debt to Income Ratio (Back) | 42.9000 | 33.828 |
| 6425288 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 6425302 | XXXXXX | Debt to Income Ratio (Back) | 47.0000 | 26.6535 |
| 6425306 | XXXXXX | Debt to Income Ratio (Back) | 44.2000 | 32.8662 |
| 6425309 | XXXXXX | Debt to Income Ratio (Back) | 44.3000 | 22.4926 |
| 6456099 | XXXXXX | Debt to Income Ratio (Back) | 44.5000 | 36.693 |
| 6425319 | XXXXXX | Debt to Income Ratio (Back) | 45.8000 | 41.3498 |
| 6425326 | XXXXXX | Debt to Income Ratio (Back) | 18.4000 | 9.2041 |
| 6425326 | XXXXXX | Representative Credit Score for Grading | 737 | 753 |
| 6425333 | XXXXXX | Debt to Income Ratio (Back) | 45.3000 | 39.9129 |
| 6425334 | XXXXXX | Debt to Income Ratio (Back) | 44.4000 | 32.2191 |
| 6425337 | XXXXXX | Debt to Income Ratio (Back) | 46.9000 | 40.527 |
| 6425338 | XXXXXX | Representative Credit Score for Grading | 779 | 774 |
| 6425339 | XXXXXX | Debt to Income Ratio (Back) | 27.7000 | 16.494 |
| 6456100 | XXXXXX | Representative Credit Score for Grading | 742 | 756 |
|©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. |©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. |©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. |©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. |©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 99.5

**Exhibit 99.5 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 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 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 |
| **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *230* | *230* | *230* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **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 Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **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** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **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** | **BK Chapter** | **BK Filing Date** | **Months since Filing Date** | **BK Discharge Date** | **Months since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** |
| 6425433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7396.78 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4595.00 | 0.6212 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6360945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7364 | No | No | 4.508 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3318.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.2055 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6367448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 5+ Units | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4.375 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13524.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 16118.00 | 1.1917 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6357282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 5+ Units | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14728.85 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 19250.00 | No | (No Data) | 1.3069 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6363217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3963 | Yes | No | 1.649 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.25 | 48.25 | 48.25 | 39.95 | 39.95 | 43.39 | No | No | (No Data) | 19436.32 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1026 | No | No | 2.298 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.63 | 43.59 | 44.63 | 43.59 | 43.59 | 43.59 | No | Yes | Yes | 4927.12 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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) | Written VOE - 24 months; | CPA Letter without Income - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8709.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8700.00 | No | (No Data) | 0.9989 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1724.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1545.00 | 0.8961 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 10.9989 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2502.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2525.00 | No | (No Data) | 1.0090 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.4 | 0 | 42.4 | 42.4 | 42.4 | (No Data) | (No Data) | (No Data) | 4119.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 96 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.66 | 0 | 38.66 | 38.66 | 38.66 | (No Data) | (No Data) | (No Data) | 4106.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 96 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2345.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5050.00 | No | (No Data) | 2.1528 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4994.72 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 2.0021 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2388.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.4237 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3321.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2640.00 | No | (No Data) | 0.7974 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3867.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4000.00 | 1.0341 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4816.16 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.12 | 0 | 37.12 | 37.12 | 37.12 | (No Data) | (No Data) | (No Data) | 8765.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 14 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3338.08 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.8987 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14725.4 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 21462.00 | No | (No Data) | 1.4574 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.9990 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 8.01 | 0 | 8.01 | 8.01 | 8.01 | (No Data) | (No Data) | (No Data) | 30296.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1358.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1045 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.09 | 0 | 44.09 | 44.09 | 44.09 | (No Data) | (No Data) | (No Data) | 22493.15 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4046.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.2356 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | 13 | XXXXXX | 38 | XXXXXX | 20 | No | (No Data) |
| 6425036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11779.1 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 14000.00 | No | (No Data) | 1.1885 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.79 | 0 | 46.79 | 46.79 | 46.79 | (No Data) | (No Data) | (No Data) | 17689.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -900.18 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1050.00 | 1.1664 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1194.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1400.00 | 1.1716 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1255.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1500.00 | 1.1949 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 12.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7263.56 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4798.53 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5000.00 | 1.0419 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3230.87 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3850.00 | No | (No Data) | 1.1916 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2382.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.0703 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2345.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0230 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.29 | 0 | 44.29 | 44.29 | 44.29 | (No Data) | (No Data) | (No Data) | 9007.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 36 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.33 | 0 | 48.33 | 48.33 | 48.33 | (No Data) | (No Data) | (No Data) | 7246.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 144 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1312.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1575.00 | 1.2000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1442.01 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1990.00 | No | (No Data) | 1.3800 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6575.04 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 9247.00 | No | (No Data) | 1.4063 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 9.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1805.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.2182 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1900.93 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.9469 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1730.56 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.5024 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1872.71 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.1213 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9862.77 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10500.00 | No | (No Data) | 1.0646 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.2 | 0 | 33.2 | 33.2 | 33.2 | (No Data) | (No Data) | (No Data) | 20609.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4020.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | 13 | XXXXXX | 24 | XXXXXX | 7 | No | (No Data) |
| 6425070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2524.67 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.0892 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6401.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3549.88 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.1267 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1159.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.3372 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2833.75 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 0.8469 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2369.85 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0127 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1179.53 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2085.00 | No | (No Data) | 1.7676 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2761.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 0.8148 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8423.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 9467.00 | No | (No Data) | 1.1239 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3346.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.9862 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10717.29 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 14000.00 | No | (No Data) | 1.3063 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4357.85 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4525.00 | No | (No Data) | 1.0383 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1616.72 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.8659 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3004.83 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2775.00 | No | (No Data) | 0.9235 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2973.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.7487 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.14 | 0 | 39.14 | 39.14 | 39.14 | (No Data) | (No Data) | (No Data) | 24736.67 | No | (No Data) | No | (No Data) | No | Yes | (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) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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> Verbal VOE with Income - 36 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2429.73 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2700.00 | 1.1112 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.17 | 0 | 6.17 | 6.17 | 6.17 | (No Data) | (No Data) | (No Data) | 198722.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 13 months;<br> CPA Letter - 24 months; | Business Bank Statements - 13 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 5.97 | 0 | 5.97 | 5.97 | 5.97 | (No Data) | (No Data) | (No Data) | 199800.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 9.6250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4532.4 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425107 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 12.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1465.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1375.00 | No | (No Data) | 0.9381 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2795.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3840.00 | No | (No Data) | 1.3738 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3690.19 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0839 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4489.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4875.00 | No | (No Data) | 1.0857 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3756.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5450.00 | No | (No Data) | 1.4508 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2472.07 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2800.00 | 1.1326 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8216.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2638.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5297.00 | No | (No Data) | 2.0079 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4758.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.0506 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2673.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.1219 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1758.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0235 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1695.24 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0912 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5536.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6110.00 | No | (No Data) | 1.1035 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3736.55 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4690.00 | No | (No Data) | 1.2551 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1882.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.1158 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2371.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0539 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4708.36 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5225.00 | No | (No Data) | 1.1097 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1385.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1575.00 | No | (No Data) | 1.1367 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3377.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4500.00 | 1.3322 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.28 | 0 | 39.28 | 39.28 | 39.28 | (No Data) | (No Data) | (No Data) | 23320.51 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 252 | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 252 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2561.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4517.00 | No | (No Data) | 1.7634 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10942.95 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12045.00 | No | (No Data) | 1.1007 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2900.56 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.1032 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4849.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.0310 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2400.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0415 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5358.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5400.00 | No | (No Data) | 1.0076 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3221.81 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.3036 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1991.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 1.0291 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1260.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1623.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.2934 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1406.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 0.9595 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.47 | 0 | 37.47 | 37.47 | 37.47 | (No Data) | (No Data) | (No Data) | 4561.79 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.23 | 0 | 20.23 | 20.23 | 20.23 | (No Data) | (No Data) | (No Data) | 48225.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 168 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3157.02 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3750.00 | No | (No Data) | 1.1878 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4792.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5300.00 | 1.1058 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5044.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5900.00 | 1.1696 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 45.31 | 0 | 45.31 | 45.31 | 45.31 | (No Data) | (No Data) | (No Data) | 28809.45 | No | (No Data) | No | (No Data) | No | Yes | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2808.22 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2395.00 | 0.8528 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1457.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.1320 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4432.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.1279 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1745.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.9739 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.84 | 0 | 49.84 | 49.84 | 49.84 | (No Data) | (No Data) | (No Data) | 13640.8 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3020 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3025.00 | No | (No Data) | 1.0017 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2716.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4414.00 | No | (No Data) | 1.6248 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6548.64 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6800.00 | No | (No Data) | 1.0383 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1153.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3099.89 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5378.00 | No | (No Data) | 1.7349 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2257.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1076 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2068.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.5469 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8363.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | Missing | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6896.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 8000.00 | 1.1599 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 45.46 | 0 | 45.46 | 45.46 | 45.46 | (No Data) | (No Data) | (No Data) | 3926.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5007.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5550.00 | No | (No Data) | 1.1084 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8216.22 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 11500.00 | No | (No Data) | 1.3997 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7383.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8450.00 | No | (No Data) | 1.1443 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1303.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.0359 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5068.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.88 | 0 | 34.88 | 34.88 | 34.88 | (No Data) | (No Data) | (No Data) | 35076.47 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 95 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 41 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 41 months; | Written VOE - 95 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2444.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2450.00 | 1.0024 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5595.53 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1274.74 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1275.00 | No | (No Data) | 1.0002 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2886.24 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2850.00 | 0.9874 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8865 | Yes | Yes | 1.239 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.89 | 39.86 | 39.86 | 39.86 | 39.86 | 39.86 | Yes | Yes | Yes | 9065.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 300 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3443 | Yes | No | 1.945 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.45 | 33.96 | 0 | 33.96 | 33.96 | 33.96 | Yes | Yes | Yes | 5267.92 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3644.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 1.2620 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 0 | (No Data) | (No Data) |
| 6425224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4742 | Yes | No | 2.092 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.9 | 26.9 | 0 | 26.9 | 26.9 | 26.9 | Yes | Yes | Yes | 145413.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 117 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 117 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8141 | Yes | Yes | 2.822 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.64 | 5.71 | 5.64 | 5.71 | 5.71 | 5.71 | Yes | Yes | Yes | 412863.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | 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 | 7.0182 | No | No | 2.704 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.18 | 53.91 | 49.19 | 53.91 | 53.91 | 53.91 | Yes | Yes | Yes | 8372.39 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9534 | Yes | Yes | 1.822 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.42 | 32.83 | 41.42 | 32.83 | 32.83 | 32.83 | Yes | Yes | Yes | 15474.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.0039 | No | No | 4.247 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.93 | 43.21 | 44.93 | 43.21 | 43.21 | 43.21 | Yes | Yes | Yes | 1906.71 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1331 | No | No | 2.359 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.22 | 46.22 | 46.22 | 46.22 | 46.22 | 46.22 | Yes | Yes | Yes | 6685.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter with Income - 132 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6996 | No | No | 4.078 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.78 | 48.78 | 48.78 | 48.78 | 48.78 | 48.78 | Yes | Yes | Yes | 4158.39 | No | (No Data) | No | (No Data) | No | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 12 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5646 | Yes | Yes | 2.802 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.31 | 31.31 | 31.31 | 31.31 | 31.31 | 31.31 | Yes | Yes | Yes | 7968.6 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 11 | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Paystub - 11 months;<br> W2 - 36 months; | Award Letter - 12 months; | (No Data) | (No Data) | 13 | XXXXXX | 85 | XXXXXX | 18 | No | (No Data) |
| 6425233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7370 | Yes | No | 1.321 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.89 | 45.29 | 0 | 42.24 | 42.24 | 43.58 | Yes | Yes | Yes | 57580.58 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 276 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 276 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9319 | No | No | 1.69 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.14 | 45.14 | 45.14 | 45.14 | 45.14 | 45.14 | Yes | Yes | Yes | 6817.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 13 months;<br> CPA Letter - 144 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 13.0840 | Yes | No | 1.04 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.92 | 39.1 | 0 | 39.1 | 39.1 | 39.1 | Yes | Yes | Yes | 5499.68 | No | (No Data) | No | (No Data) | No | (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) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 25 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | ATR Risk: Non-QM - Lender did not document all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 13.2088 | Yes | Yes | 3.86 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.81 | 36.81 | 36.81 | 36.81 | 36.81 | 36.81 | Yes | Yes | Yes | 14197.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 35 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 35 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3282 | No | No | 3.864 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.11 | 48.11 | 0 | 48.11 | 48.11 | 48.11 | Yes | Yes | Yes | 4030.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Site Condo | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.0348 | Yes | Yes | 1.229 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.97 | 35.8 | 35.97 | 35.8 | 35.8 | 35.8 | Yes | Yes | Yes | 16643.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months; | (No Data) | (No Data) | (No Data) | 7 | XXXXXX | 116 | XXXXXX | 113 | No | (No Data) |
| 6425241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.8378 | Yes | No | 3.025 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.7 | 38.55 | 0 | 38.55 | 38.55 | 38.55 | Yes | Yes | Yes | 3389.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 108 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0358 | No | No | 2.441 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.84 | 47.84 | 47.84 | 47.84 | 47.84 | 47.84 | Yes | Yes | Yes | 2482.31 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1239 | No | No | 2.27 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.52 | 49.52 | 49.52 | 49.52 | 49.52 | 49.52 | Yes | Yes | Yes | 7713.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 30 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0050 | Yes | No | 2.084 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.79 | 24.73 | 0 | 24.73 | 24.73 | 24.73 | Yes | Yes | Yes | 3967.99 | No | (No Data) | No | (No Data) | No | (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) | Yes | 24 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 24 months;<br> Verbal VOE with Income - 36 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | 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 | 7.3272 | Yes | Yes | 2.148 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.94 | 15.95 | 19.94 | 15.95 | 15.95 | 15.95 | Yes | Yes | Yes | 22602.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 396 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | 7 | XXXXXX | 93 | XXXXXX | 90 | No | (No Data) |
| 6425247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8104 | No | No | 2.895 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.84 | 49.83 | 49.84 | 49.83 | 49.83 | 49.83 | Yes | Yes | Yes | 4011.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 30 months;<br> P & L - 14 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.6992 | Yes | No | 4.186 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.09 | 42.09 | 0 | 42.09 | 42.09 | 42.09 | Yes | Yes | Yes | 4590.31 | No | (No Data) | No | (No Data) | No | No | (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) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Paystub - 1 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1069 | Yes | No | 1.427 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.71 | 40.74 | 49.71 | 40.74 | 40.74 | 40.74 | Yes | Yes | Yes | 35878.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5857 | Yes | Yes | 1.566 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.17 | 42.79 | 41.17 | 42.79 | 42.79 | 42.79 | Yes | Yes | Yes | 11227.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 48 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9781 | Yes | No | 2.546 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.11 | 28.31 | 49.11 | 28.31 | 28.31 | 28.31 | Yes | Yes | Yes | 9075.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.9080 | Yes | Yes | 3.492 | Not Applicable | (No Data) | (No Data) | No | No | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | Yes | Yes | Yes | 4674.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | 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 | 8.3340 | No | No | 1.458 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.62 | 46.99 | 0 | 46.99 | 46.99 | 46.99 | Yes | Yes | Yes | 4405.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6071 | Yes | Yes | 2.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29 | 19.76 | 29 | 19.76 | 19.76 | 19.76 | Yes | Yes | Yes | 106029.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months; | (No Data) | (No Data) | (No Data) | 7 | XXXXXX | 62 | XXXXXX | 56 | No | (No Data) |
| 6425258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8050 | Yes | Yes | 2.787 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.96 | 32.4 | 32.96 | 32.4 | 32.4 | 32.4 | Yes | Yes | Yes | 22759.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6724 | No | No | 2.582 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.53 | 44.82 | 44.53 | 44.82 | 44.82 | 44.82 | Yes | Yes | Yes | 7549.84 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5446 | Yes | No | 2.323 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.3 | 42.73 | 0 | 42.73 | 42.73 | 42.73 | Yes | Yes | Yes | 9546.2 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1135 | Yes | Yes | 2.1 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.96 | 13.79 | 13.96 | 13.79 | 13.79 | 13.79 | Yes | Yes | Yes | 35232.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4277 | No | No | 1.641 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.99 | 46.94 | 0 | 43.1 | 43.1 | 44.83 | Yes | Yes | Yes | 15446.75 | No | (No Data) | No | (No Data) | No | No | (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 | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.6809 | Yes | Yes | 4.36 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.85 | 40.85 | 40.85 | 40.85 | 40.85 | 40.85 | Yes | Yes | Yes | 3724.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8293 | No | Yes | 1.854 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.87 | 45.34 | 41.87 | 45.34 | 45.34 | 45.34 | Yes | Yes | Yes | 9559.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5383 | Yes | Yes | 3.876 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.33 | 25.42 | 29.33 | 25.42 | 25.42 | 25.42 | Yes | Yes | Yes | 9552.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 192 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1482 | Yes | No | 3.426 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.54 | 37.27 | 44.54 | 37.27 | 37.27 | 37.27 | Yes | Yes | Yes | 7220.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9117 | Yes | Yes | 2.49 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.15 | 37.85 | 42.15 | 37.85 | 37.85 | 37.85 | Yes | Yes | Yes | 4334.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5548 | Yes | Yes | 1.93 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.17 | 31.17 | 31.17 | 31.17 | 31.17 | 31.17 | Yes | Yes | Yes | 37082.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2027 | Yes | No | 3.085 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.48 | 32.98 | 44.48 | 32.98 | 32.98 | 32.98 | Yes | Yes | Yes | 24441.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5416 | No | No | 1.355 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.68 | 46 | 45.68 | 46 | 46 | 46 | Yes | Yes | Yes | 23237.54 | No | (No Data) | No | (No Data) | No | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.4440 | No | No | 3.491 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.71 | 48.19 | 0 | 48.19 | 48.19 | 48.19 | Yes | Yes | Yes | 5764.33 | No | (No Data) | No | (No Data) | No | No | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (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) | 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) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months; | Award Letter - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6336 | No | No | 1.294 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.95 | 43.77 | 0 | 43.77 | 43.77 | 43.77 | Yes | Yes | Yes | 10284.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> P & L Only - 14 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6175 | Yes | Yes | 3.518 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.97 | 16.97 | 16.97 | 16.97 | 16.97 | 16.97 | Yes | Yes | Yes | 25385.61 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1251 | No | No | 3.422 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.57 | 46.02 | 45.57 | 46.02 | 46.02 | 46.02 | Yes | Yes | Yes | 2438.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 27 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 27 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.7791 | No | No | 3.147 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.16 | 50.16 | 50.16 | 50.16 | 50.16 | 50.16 | Yes | Yes | Yes | 2929.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | 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 | 7.5884 | No | No | 1.971 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.36 | 48.81 | 50.36 | 48.81 | 48.81 | 48.81 | Yes | Yes | Yes | 4113.65 | No | (No Data) | No | (No Data) | No | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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; | Personal Bank Statements - 12 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4004 | Yes | Yes | 1.413 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.89 | 38.91 | 42.89 | 33.83 | 33.83 | 38.91 | Yes | Yes | Yes | 9896.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0992 | No | No | 1.971 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.08 | 44.08 | 44.08 | 44.08 | 44.08 | 44.08 | Yes | Yes | Yes | 27409.54 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7638 | Yes | No | 2.047 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.74 | 7.97 | 0 | 7.97 | 7.97 | 7.97 | Yes | Yes | Yes | 92032.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.9267 | No | No | 3.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.09 | 46.08 | 46.08 | 46.08 | 46.08 | 46.08 | Yes | Yes | Yes | 7523.25 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9206 | Yes | No | 0.286 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.1 | 27.06 | 0 | 27.06 | 27.06 | 27.06 | Yes | Yes | Yes | 10528.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 168 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months; | (No Data) | (No Data) | (No Data) | 13 | XXXXXX | 83 | XXXXXX | 44 | No | (No Data) |
| 6425290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2973 | No | No | 2.659 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.79 | 46.79 | 0 | 46.79 | 46.79 | 46.79 | Yes | Yes | Yes | 13340.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 128 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 128 months;<br> P & L Only - 14 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9374 | No | No | 3.781 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.46 | 50.29 | 50.46 | 50.29 | 50.29 | 50.29 | Yes | Yes | Yes | 2631.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | 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 | 6.7956 | No | No | 2.938 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.01 | 45.01 | 45.01 | 45.01 | 45.01 | 45.01 | Yes | Yes | Yes | 2001.8 | No | (No Data) | No | (No Data) | No | (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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8436 | Yes | Yes | 2.935 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.07 | 41.07 | 41.07 | 41.07 | 41.07 | 41.07 | Yes | Yes | Yes | 14206.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | 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 | 8.0134 | No | No | 1.91 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.77 | 44.55 | 0 | 44.55 | 44.55 | 44.55 | Yes | Yes | Yes | 25117.1 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 168 | No | (No Data) | Yes | 168 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9547 | No | No | 2.98 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.69 | 43.03 | 43.69 | 43.03 | 43.03 | 43.03 | Yes | Yes | Yes | 5256.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 9 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 9 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9341 | No | No | 1.951 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.95 | 44.86 | 0 | 44.86 | 44.86 | 44.86 | Yes | Yes | Yes | 19824.63 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8130 | Yes | Yes | 2.856 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.64 | 24.64 | 24.64 | 24.64 | 24.64 | 24.64 | Yes | Yes | Yes | 10169.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8299 | Yes | Yes | 3.222 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.74 | 9.1 | 8.74 | 9.1 | 9.1 | 9.1 | Yes | Yes | Yes | 216112.26 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 156 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | 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 | 6.9816 | No | No | 0.978 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.07 | 48.73 | 48.07 | 48.73 | 48.73 | 48.73 | Yes | Yes | Yes | 11727.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.7259 | Yes | No | 3.115 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.05 | 26.65 | 47.05 | 26.65 | 26.65 | 26.65 | Yes | Yes | Yes | 10238.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5888 | No | No | 3.171 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.42 | 45.7 | 48.42 | 45.7 | 45.7 | 45.7 | Yes | Yes | Yes | 5868.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 84 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | 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 | 7.1391 | Yes | No | 1.337 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.21 | 32.87 | 44.21 | 32.87 | 32.87 | 32.87 | Yes | Yes | Yes | 19989.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 72 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.2374 | Yes | No | 4.242 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.34 | 22.49 | 44.34 | 22.49 | 22.49 | 22.49 | Yes | Yes | Yes | 10674.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1739 | Yes | Yes | 4 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.28 | 30 | 30.28 | 30 | 30 | 30 | Yes | Yes | Yes | 11030.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1564 | Yes | Yes | 3.227 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.58 | 36.89 | 36.58 | 36.89 | 36.89 | 36.89 | Yes | Yes | Yes | 16517.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 12.8069 | Yes | Yes | 4.784 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.35 | 9.31 | 9.35 | 9.31 | 9.31 | 9.31 | Yes | Yes | Yes | 70073.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9874 | No | No | 2.423 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.51 | 46.53 | 46.51 | 46.53 | 46.53 | 46.53 | Yes | Yes | Yes | 5692.32 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) | 13 | XXXXXX | 46 | XXXXXX | 26 | No | (No Data) |
| 6425314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4348 | No | No | 4.396 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.91 | 45.03 | 0 | 45.03 | 45.03 | 45.03 | Yes | Yes | Yes | 6322.83 | No | (No Data) | No | (No Data) | No | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | Award Letter - 1 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6878 | No | No | 2.639 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.09 | 47.35 | 0 | 47.35 | 47.35 | 47.35 | Yes | Yes | Yes | 10527.42 | No | (No Data) | No | (No Data) | No | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Award Letter - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8440 | No | No | 1.706 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.45 | 48.15 | 0 | 48.15 | 48.15 | 48.15 | Yes | Yes | Yes | 18834.91 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.2520 | Yes | No | 3.205 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.05 | 41.36 | 43.05 | 41.36 | 41.36 | 41.36 | Yes | Yes | Yes | 5311.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.5699 | Yes | No | 3.771 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.5 | 36.69 | 44.5 | 36.69 | 36.69 | 36.69 | Yes | Yes | Yes | 4502.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L Only - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.6388 | Yes | No | 3.1 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.79 | 41.35 | 0 | 41.35 | 41.35 | 41.35 | Yes | Yes | Yes | 6342.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0938 | Yes | Yes | 3.225 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.03 | 42.03 | 42.03 | 42.03 | 42.03 | 42.03 | Yes | Yes | Yes | 9568.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3375 | Yes | Yes | 3.015 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.06 | 5.06 | 5.06 | 5.06 | 5.06 | 5.06 | Yes | Yes | Yes | 124622.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4124 | No | No | 1.572 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | Yes | Yes | Yes | 39160.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4364 | Yes | No | 3.758 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.78 | 40.78 | 0 | 40.78 | 40.78 | 40.78 | Yes | Yes | Yes | 8280.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2064 | No | No | 4.29 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.9 | 48.62 | 48.9 | 48.62 | 48.62 | 48.62 | Yes | Yes | Yes | 1530.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0169 | Yes | Yes | 4.044 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.51 | 37.51 | 37.51 | 37.51 | 37.51 | 37.51 | Yes | Yes | Yes | 5926.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 72 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7596 | Yes | Yes | 2.46 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.91 | 39.91 | 39.91 | 39.91 | 39.91 | 39.91 | Yes | Yes | Yes | 5889.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 132 months;<br> P & L - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.8894 | Yes | Yes | 4.132 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.37 | 9.2 | 18.37 | 9.2 | 9.2 | 9.2 | Yes | Yes | Yes | 54404.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9097 | Yes | No | 2.732 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.5 | 42.61 | 44.5 | 42.61 | 42.61 | 42.61 | Yes | Yes | Yes | 3381.72 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | High Rise Condo (9+) | 1 | 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 | 7.8232 | Yes | Yes | 1.907 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.76 | 42.7 | 42.76 | 42.7 | 42.7 | 42.7 | Yes | Yes | Yes | 8288.29 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 1099 - 24 months;<br> Award Letter - 12 months; | 1099 - 12 months;<br> Award Letter - 12 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6090 | Yes | Yes | 1.073 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.72 | 31.32 | 31.72 | 31.32 | 31.32 | 31.32 | Yes | Yes | Yes | 88785.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.9667 | Yes | Yes | 4.129 | Not Applicable | (No Data) | (No Data) | No | No | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.24 | 42.24 | 42.24 | 42.24 | 42.24 | 42.24 | Yes | Yes | Yes | 3132.42 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | 13 | XXXXXX | 69 | XXXXXX | 3 | No | (No Data) |
| 6425331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5226 | Yes | Yes | 1.859 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.84 | 40.84 | 40.84 | 40.84 | 40.84 | 40.84 | Yes | Yes | Yes | 27536.54 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 11 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 11 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5540 | No | No | 2.58 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.27 | 49.27 | 49.27 | 49.27 | 49.27 | 49.27 | Yes | Yes | Yes | 9897.24 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2645 | Yes | No | 2.581 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.33 | 45.33 | 45.33 | 39.91 | 39.91 | 43.37 | Yes | Yes | Yes | 7875.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3081 | Yes | No | 1.176 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.41 | 32.22 | 44.41 | 32.22 | 32.22 | 32.22 | Yes | Yes | Yes | 42277.11 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter with Income - 96 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3513 | Yes | No | 1.994 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.69 | 40.74 | 0 | 40.74 | 40.74 | 40.74 | Yes | Yes | Yes | 11321.34 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3621 | Yes | Yes | 2.621 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.94 | 40.16 | 37.94 | 40.16 | 40.16 | 40.16 | Yes | Yes | Yes | 5141.01 | No | (No Data) | No | (No Data) | No | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0338 | Yes | No | 1.669 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.86 | 40.53 | 46.86 | 40.53 | 40.53 | 40.53 | Yes | Yes | Yes | 22657.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2112 | No | No | 2.966 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.99 | 49.83 | 48.99 | 49.83 | 49.83 | 49.83 | Yes | Yes | Yes | 5424.63 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9355 | No | No | 2.791 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.7 | 47.7 | 47.7 | 47.7 | 47.7 | 47.7 | Yes | Yes | Yes | 3016.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6425339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.7091 | Yes | Yes | 2.75 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.71 | 16.49 | 27.71 | 16.49 | 16.49 | 16.49 | Yes | Yes | Yes | 94215.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3454 | Yes | Yes | 3.115 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.58 | 35.15 | 35.58 | 35.15 | 35.15 | 35.15 | Yes | Yes | Yes | 9060.75 | No | (No Data) | No | (No Data) | No | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) |
| 6456100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2376 | Yes | Yes | 3.236 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.52 | 38.52 | 38.52 | 38.52 | 38.52 | 38.52 | Yes | Yes | Yes | 2664.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 27 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 27 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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. | <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

**Exhibit 99.5 Schedule 5**

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *230* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 6425433 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | 0 |
| 6360945 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.7364 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6367448 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6357282 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6363217 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24110 | XXXXXX | 7.3963 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | No | 0 |
| 6425425 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6468.96 | XXXXXX | 8.1026 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 4927.13 |
| 6425016 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425017 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 6425019 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.9989 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425020 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425021 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425022 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425023 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425024 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425025 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425026 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425027 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425028 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425029 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | 0 |
| 6425031 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | 0 |
| 6425032 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425033 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425034 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425035 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425036 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425037 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425038 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425039 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425042 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425043 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 12.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425044 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425046 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425047 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425048 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.125 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425051 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425052 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425053 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425054 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425055 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | 0 |
| 6425056 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425059 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425061 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425062 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | 0 |
| 6425064 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425067 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425069 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425070 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425071 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425072 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425076 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425077 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | 0 |
| 6425078 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | 0 |
| 6425080 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | 0 |
| 6425081 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 6425084 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | 0 |
| 6425085 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425087 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425089 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425090 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425093 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425094 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425099 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425100 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425102 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425103 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425105 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 6425107 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 12.9991 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425109 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425110 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425113 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425116 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425117 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425120 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425121 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425124 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425126 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425127 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425132 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425134 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425135 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425136 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425137 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425138 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425140 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425142 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425143 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425145 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425147 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425148 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | 0 |
| 6425150 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425152 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425154 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425155 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425156 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6456103 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425159 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 6425160 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425163 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425165 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425166 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425167 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425168 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425170 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425172 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425175 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425176 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425177 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | 0 |
| 6425179 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425181 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6425185 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425186 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425187 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425189 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425190 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425191 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | 0 |
| 6425194 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425197 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425200 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425201 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425202 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5001 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | 0 |
| 6425204 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425205 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6456104 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6425212 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| 6425213 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6456105 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6456106 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | 0 |
| 6425217 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | 0 |
| 6425218 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4395 | XXXXXX | 6.8865 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 9065.09 |
| 6425221 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3795 | XXXXXX | 7.3443 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5267.92 |
| 6425222 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 6425224 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 85750 | XXXXXX | 8.4742 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 145417.03 |
| 6425225 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 36526.75 | XXXXXX | 8.8141 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 412863.8 |
| 6425226 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27938 | XXXXXX | 7.0182 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 8372.39 |
| 6425227 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10947.24 | XXXXXX | 7.9534 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 15474.63 |
| 6425228 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6062.5 | XXXXXX | 8.0039 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Yes | 1906.71 |
| 6425229 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13450 | XXXXXX | 8.1331 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 6685.82 |
| 6425230 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5040 | XXXXXX | 7.6996 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | Yes | 4158.39 |
| 6425232 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11585.63 | XXXXXX | 7.5646 | Employed | Retired | U.S. Citizen | U.S. Citizen | Yes | 7968.6 |
| 6425233 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 54645 | XXXXXX | 7.737 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 57580.58 |
| 6425234 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4873.24 | XXXXXX | 6.9319 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 6817.9 |
| 6425235 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1436.72 | XXXXXX | 13.084 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5499.68 |
| 6425236 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8590.99 | XXXXXX | 13.2088 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 14197.31 |
| 6425238 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9490 | XXXXXX | 7.3282 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 4030.9 |
| 6425240 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10225 | XXXXXX | 9.0348 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 16643.1 |
| 6425241 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5306.38 | XXXXXX | 7.8378 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 3389.39 |
| 6425242 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3712.5 | XXXXXX | 7.0358 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 2482.31 |
| 6425243 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19050 | XXXXXX | 7.1239 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 7713.66 |
| 6425244 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2194.38 | XXXXXX | 9.005 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 3967.99 |
| 6425245 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9887.5 | XXXXXX | 7.3272 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 22602.07 |
| 6425247 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9990 | XXXXXX | 7.8104 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 4011.67 |
| 6425248 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13650 | XXXXXX | 8.6992 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Yes | 4590.31 |
| 6425250 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 7.1069 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 35878.96 |
| 6425251 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8750 | XXXXXX | 9.5857 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 11227.84 |
| 6425253 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6750 | XXXXXX | 9.9781 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9075.79 |
| 6425254 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9697.5 | XXXXXX | 8.908 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 4674.54 |
| 6425255 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5866 | XXXXXX | 8.334 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 4405.92 |
| 6425256 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 35000 | XXXXXX | 8.6071 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 106112.73 |
| 6425258 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18735 | XXXXXX | 8.805 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 22759.78 |
| 6425259 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8726 | XXXXXX | 7.6724 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 7549.84 |
| 6425260 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13520 | XXXXXX | 7.5446 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 9546.2 |
| 6425261 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8590 | XXXXXX | 8.1135 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 35232.83 |
| 6425262 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 22270 | XXXXXX | 7.4277 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 15446.75 |
| 6425263 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7657.5 | XXXXXX | 8.6809 | Employed | Unemployed | U.S. Citizen | (No Data) | Yes | 3724.74 |
| 6425265 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11765 | XXXXXX | 7.8293 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9559.91 |
| 6425266 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9184 | XXXXXX | 8.5383 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9552.57 |
| 6425268 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14765 | XXXXXX | 8.1482 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 7220.84 |
| 6425271 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6343.75 | XXXXXX | 8.9117 | Employed | (No Data) | Non-Resident Alien | (No Data) | Yes | 4334.77 |
| 6425272 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23870 | XXXXXX | 7.5548 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 37082.61 |
| 6425273 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7574 | XXXXXX | 7.2027 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 24441.11 |
| 6425275 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28580.66 | XXXXXX | 7.5416 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | Yes | 23237.54 |
| 6425276 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13450 | XXXXXX | 9.444 | Employed | Retired | U.S. Citizen | U.S. Citizen | Yes | 5764.33 |
| 6425278 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8230 | XXXXXX | 6.6336 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10284.92 |
| 6425279 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15400 | XXXXXX | 7.6175 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 25385.61 |
| 6425280 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7350 | XXXXXX | 8.1251 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 2438.17 |
| 6425281 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9750 | XXXXXX | 6.7791 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 2929.91 |
| 6425282 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7153.68 | XXXXXX | 7.5884 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 4113.65 |
| 6425283 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8900 | XXXXXX | 7.4004 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 16140.76 |
| 6425284 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28532.5 | XXXXXX | 9.0992 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 27409.54 |
| 6425285 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14845 | XXXXXX | 7.7638 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 92032.81 |
| 6425287 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19125 | XXXXXX | 6.9267 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 7523.25 |
| 6425288 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 777.56 | XXXXXX | 8.9206 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10528.76 |
| 6425290 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14032.75 | XXXXXX | 7.2973 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 13340.49 |
| 6425291 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7270.63 | XXXXXX | 7.9374 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 1631.6 |
| 6425293 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5934 | XXXXXX | 6.7956 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 2001.8 |
| 6425294 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21145 | XXXXXX | 8.8436 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 14206.96 |
| 6425295 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27082.5 | XXXXXX | 8.0134 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 26225.93 |
| 6425296 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8078.13 | XXXXXX | 7.9547 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5256.64 |
| 6425298 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23200 | XXXXXX | 6.9341 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 19824.63 |
| 6425299 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9343.75 | XXXXXX | 7.813 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10169.28 |
| 6425300 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 46763 | XXXXXX | 7.8299 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 216112.26 |
| 6425301 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 6.9816 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 11727.26 |
| 6425302 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10412.5 | XXXXXX | 8.7259 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10238.54 |
| 6425304 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9550 | XXXXXX | 7.5888 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5868.55 |
| 6425306 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11508 | XXXXXX | 7.1391 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 19989.91 |
| 6425309 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13162.5 | XXXXXX | 9.2374 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10674.36 |
| 6425310 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20650 | XXXXXX | 8.1739 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 11030.81 |
| 6425311 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17925.63 | XXXXXX | 7.1564 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 16517.42 |
| 6425312 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6297.8 | XXXXXX | 12.8069 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 70073.84 |
| 6425313 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9250 | XXXXXX | 7.9874 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5692.32 |
| 6425314 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23482.5 | XXXXXX | 7.4348 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 6322.83 |
| 6425315 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17760 | XXXXXX | 7.6878 | Retired | Retired | U.S. Citizen | U.S. Citizen | Yes | 10527.42 |
| 6425316 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 26985 | XXXXXX | 7.844 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 18834.91 |
| 6425317 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9250 | XXXXXX | 9.252 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 5311.41 |
| 6456099 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6793.5 | XXXXXX | 8.5699 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 4502.66 |
| 6425319 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8465.32 | XXXXXX | 10.6388 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 6342.41 |
| 6425320 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21035 | XXXXXX | 8.0938 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 9568.49 |
| 6456101 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17375 | XXXXXX | 8.3375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 124622.29 |
| 6425321 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 43223.36 | XXXXXX | 7.4124 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 39160.79 |
| 6425322 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7470 | XXXXXX | 7.4364 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 8280.72 |
| 6425323 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5355.25 | XXXXXX | 7.2064 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 1530.57 |
| 6425324 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8050 | XXXXXX | 8.0169 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5926.37 |
| 6425325 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10750 | XXXXXX | 6.7596 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5889.23 |
| 6425326 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10180.5 | XXXXXX | 8.8894 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 54404.79 |
| 6425327 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7150 | XXXXXX | 6.9097 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 3381.72 |
| 6425328 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10950 | XXXXXX | 7.8232 | Retired | Retired | U.S. Citizen | U.S. Citizen | Yes | 8288.29 |
| 6425329 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 32950 | XXXXXX | 7.609 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 88785.73 |
| 6425330 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5765 | XXXXXX | 8.9667 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 3132.42 |
| 6425331 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 38840 | XXXXXX | 7.5226 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 27536.54 |
| 6425332 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17296 | XXXXXX | 7.554 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 9897.24 |
| 6425333 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16937.5 | XXXXXX | 8.2645 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 7875.95 |
| 6425334 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8505 | XXXXXX | 7.3081 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 42227.11 |
| 6425335 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17504.59 | XXXXXX | 7.3513 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 11321.34 |
| 6425336 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7750 | XXXXXX | 7.3621 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | Yes | 5224.19 |
| 6425337 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20710 | XXXXXX | 7.0338 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 22657.52 |
| 6425338 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13750 | XXXXXX | 8.2112 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5424.63 |
| 6456098 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6790 | XXXXXX | 7.9355 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 3016.98 |
| 6425339 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 37875 | XXXXXX | 10.7091 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 94215.83 |
| 6456108 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9427 | XXXXXX | 8.3454 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 9060.75 |
| 6456100 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6340 | XXXXXX | 8.2376 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 2664.13 |
| <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. |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 7**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *230* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **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 (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **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** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **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** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 6425433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6360945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 6367448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.55% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6357282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.14% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6363217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 6425425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6425016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.5 |
| 6425019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.3 |
| 6425020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.1 |
| 6425031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.1 |
| 6425034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -2.78% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.1 |
| 6425038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -28.57% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -22.50% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -2.44% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -1.13% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.4 |
| 6425064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -13.33% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.27% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.6 |
| 6425070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.2 |
| 6425071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.4 |
| 6425080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -6.12% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -2.94% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425107 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.3 |
| 6425110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -3.07% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.2 |
| 6425127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (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% | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | 10.59% | (No Data) |
| 6425135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.32% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -3.29% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.6 |
| 6425143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.1 |
| 6425145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.5 |
| 6425147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.8 |
| 6456103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.9 |
| 6425163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -4.04% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.2 |
| 6425179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -4.36% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.1 |
| 6425204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6456104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6425212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6456105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6456106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -4.10% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -47.83% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.5 |
| 6425227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.1 |
| 6425238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.3 |
| 6425240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.6 |
| 6425250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -0.69% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.6 |
| 6425255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6425256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2 |
| 6425259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.5 |
| 6425262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.3 |
| 6425263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.5 |
| 6425272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.7 |
| 6425273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.8 |
| 6425281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.3 |
| 6425282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -0.65% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.3 |
| 6425285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.2 |
| 6425291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | -1.07% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6425293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.6 |
| 6425296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.5 |
| 6425304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.1 |
| 6425310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.7 |
| 6425311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.3 |
| 6425312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.7 |
| 6425314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.2 |
| 6425315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6425316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.1 |
| 6425317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.7 |
| 6456099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.2 |
| 6456101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1.1 |
| 6425335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6425338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| 6456098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6425339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6456108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.2 |
| 6456100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

BARC 2025-NQM4

Dated: July 1, 2025

---

| |
|:---|
| **6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034** |
| **P: 888.892.1843 \| evolvemortgageservices.com** |

---

![](ex99-6_002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Sutton Funding LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.** 

The final population of the Review covered 55 loans, consisting of 15 Residential Loans and 40 Business Purpose loans, totaling an aggregate original principal balance of approximately $19,682,026.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for S&P Global Ratings ("S&P") and Kroll Bond Rating Agency, LLC (KBRA), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the diligence system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| Page |

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![](ex99-6_002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Scope of Review</u>**

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine if there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| Page |

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![](ex99-6_002.jpg)

Forward Thinking. Seamless Solutions.

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

 

*Valuation Review*

Evolve's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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, Evolve's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| Page |

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![](ex99-6_002.jpg)

Forward Thinking. Seamless Solutions.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal reports are reviewed
in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner
or tenant occupancy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Form 1003/Loan application
is reviewed to ensure that the subject property listed is consistent with the subject property, and that the listed residence for the
Individual(s) is an address other than the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Certification of Non-Owner Occupancy
and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence
address differs from the subject property address, and is signed/dated as required.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Primary Residence address(es)
listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and
Indemnity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review additional items for confirmation
of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o That the credit report address
is different than the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is a lease in place if
the loan is a refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is landlord insurance on
the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Calculate DSCR as required by
the guidelines

**<u>Data Collection</u>**

Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.

---

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| Page |

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![](ex99-6_002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;25.45% | &nbsp;&nbsp;14 | &nbsp;&nbsp;25.45% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;40 | &nbsp;&nbsp;72.73% | &nbsp;&nbsp;40 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;96.36% | &nbsp;&nbsp;53 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| Page |

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![](ex99-6_002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;94.55% | &nbsp;&nbsp;52 | &nbsp;&nbsp;94.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.45% | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;33 | &nbsp;&nbsp;55 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;10 | &nbsp;&nbsp;55 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;15 | &nbsp;&nbsp;55 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;55 | &nbsp;&nbsp;34.55% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;55 | &nbsp;&nbsp;67.27% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;55 | &nbsp;&nbsp;67.27% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;55 | &nbsp;&nbsp;69.09% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;4 | &nbsp;&nbsp;55 | &nbsp;&nbsp;7.27% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;55 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;55 | &nbsp;&nbsp;14.55% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 | &nbsp;&nbsp;10.91% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 | &nbsp;&nbsp;10.91% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 | &nbsp;&nbsp;10.91% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;29 | &nbsp;&nbsp;55 | &nbsp;&nbsp;52.73% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;49 | &nbsp;&nbsp;55 | &nbsp;&nbsp;89.09% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;21 | &nbsp;&nbsp;55 | &nbsp;&nbsp;38.18% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;30 | &nbsp;&nbsp;55 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 | &nbsp;&nbsp;10.91% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;55 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;55 | &nbsp;&nbsp;30.91% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;55 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;49 | &nbsp;&nbsp;55 | &nbsp;&nbsp;89.09% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;12 | &nbsp;&nbsp;55 | &nbsp;&nbsp;21.82% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;11 | &nbsp;&nbsp;55 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;31 | &nbsp;&nbsp;55 | &nbsp;&nbsp;56.36% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;12 | &nbsp;&nbsp;55 | &nbsp;&nbsp;21.82% |

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**APPENDIX A**

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

 ****

Please be advised that Evolve 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 Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve 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 Evolve 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 Evolve 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. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by Evolve.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement and/or governing policies and procedures, Evolve's review was limited to formal general statements of entity compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative
amortization feature;

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c) <u>Mandatory Arbitration Clauses (§1026.36):</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

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*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve 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 (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. Evolve 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 Evolve 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. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve 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 Evolve 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 Evolve 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. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set forth herein.

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|:---|:---|:---|
| ![](ex99-6_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| Page |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1637333 | XXXXXX | XXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1637333 | XXXXXX | XXXXXX | Original P&I |  | 11515.18 | Verified |
| 1637333 | XXXXXX | XXXXXX | PITI |  | XXXXXXXXX | Verified |
| 1637333 | XXXXXX | XXXXXX | Self-Employment Flag |  | Y | Verified |
| 1633858 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX |  |  |
| 1633858 | XXXXXXXXX | XXXXXXXXX | Original Interest Rate | XXXXXXX | XXXXXXX | Verified |
| 1633858 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1156.19 | Verified |
| 1633858 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633858 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1633858 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633858 | XXXXXXXXX | XXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633858 | XXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1635196 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 5510.53 | Verified |
| 1635196 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | 359860.00 | 376000.00 | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX |  |  |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1203.12 | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Attached | Verified |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | xx | xx | Verified |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX |  |  |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment |  |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1394.70 |  |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y |  |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Attached | Verified |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.024 | 1.010 | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1526.70 | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1131.11 | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD-Detached | Single Family | Verified |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250401 |  |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | 20550301 |  |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX |  |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1450.36 |  |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt |  |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.050 | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1346.51 | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date |  | xx | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | xx | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 798.08 | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | Y | N | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | xx | xx | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.080 | 1.060 | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 3416.53 | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD-Detached | Four Family | Verified |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.010 | 1.000 | Verified |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1793.42 | Verified |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date |  | xx | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | xx | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 3284.64 | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Property Type | Single Family | Four Family | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXXXX |  | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1632907 | XXXXX | XXXXX | Original Amortization Term | xx+E111 | 360 | Verified |
| 1632907 | XXXXX | XXXXX | Appraised Value |  | xx | Verified |
| 1632907 | XXXXX | XXXXX | Qualifying Credit Score |  | XXX | Verified |
| 1632907 | XXXXX | XXXXX | Original CLTV |  | XXXXXXXX | Verified |
| 1632907 | XXXXX | XXXXX | DSCR |  | 0.960 | Verified |
| 1632907 | XXXXX | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1632907 | XXXXX | XXXXX | First Payment Date |  | xx | Verified |
| 1632907 | XXXXX | XXXXX | Original Interest Rate |  | XXXXXXX | Verified |
| 1632907 | XXXXX | XXXXX | Original LTV |  | XXXXXXXX | Verified |
| 1632907 | XXXXX | XXXXX | Maturity Date |  | xx | Verified |
| 1632907 | XXXXX | XXXXX | Original Loan Amount |  | XXXXXXXXXX | Verified |
| 1632907 | XXXXX | XXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632907 | XXXXX | XXXXX | Occupancy |  | Investment | Verified |
| 1632907 | XXXXX | XXXXX | Original P&I |  | 4350.42 | Verified |
| 1632907 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1632907 | XXXXX | XXXXX | Prepayment Penalty | N | Y | Verified |
| 1632907 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632907 | XXXXX | XXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1632907 | XXXXX | XXXXX | Property Street Address |  | xx | Verified |
| 1632907 | XXXXX | XXXXX | Property City |  | xx | Verified |
| 1632907 | XXXXX | XXXXX | Property State |  | CA | Verified |
| 1632907 | XXXXX | XXXXX | Property Type |  | Single Family | Verified |
| 1632907 | XXXXX | XXXXX | Property Zip |  | XXXXX | Verified |
| 1632907 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1632907 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 1635.75 | Verified |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1636725 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 930.74 | Verified |
| 1636725 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636725 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636725 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1637384 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 5382.30 | Verified |
| 1637384 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1637384 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1637384 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1634721 | XXXXX | XXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1634721 | XXXXX | XXXXX | Doc Type | No Ratio | Bank Statement | Verified |
| 1634721 | XXXXX | XXXXX | Occupancy | Investment | Primary | Verified |
| 1634721 | XXXXX | XXXXX | Original P&I |  | 1061.69 | Verified |
| 1634721 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1634721 | XXXXX | XXXXX | Property Type | Single Family | Manufactured | Verified |
| 1637308 | XXXXX | XXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1637308 | XXXXX | XXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1637308 | XXXXX | XXXXX | DSCR |  | 1.190 | Verified |
| 1637308 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1637308 | XXXXX | XXXXX | Original P&I |  | 1722.97 | Verified |
| 1637308 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1637308 | XXXXX | XXXXX | Prepayment Penalty |  | Y | Verified |
| 1637308 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1637308 | XXXXX | XXXXX | Property Type | Single Family | Manufactured | Verified |
| 1637308 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1637308 | XXXXX | XXXXX | Self-Employment Flag | Y | N | Verified |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 1418.97 | Verified |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Property Zip | XXXX | XXXXX | Verified |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original Amortization Term | 360 | 300 | Verified |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 2664.38 | Verified |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX |  |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I |  | 2552.24 | Verified |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Higher Priced QM (APOR) |  |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXX | XXXXX | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Property Type | Condo | Condo-Mid 5-8 Stories | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1633477 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM |  |
| 1633477 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 42.94000 | 0.42942 | Verified |
| 1634150 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634150 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634150 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634150 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXX | Verified |
| 1634150 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634150 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | Original Interest Rate | XXXXXXX | XXXXX | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | Original P&I | 1060.41 | 1047.75 | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1635298 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | Appraised Value | XXXXX | XXXXX | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | Doc Type | 24 Mo. Bank Statements | Bank Statement | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634929 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM |  |
| 1634929 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 31.15000 | 0.30782 | Verified |
| 1636632 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed |  |
| 1636632 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXX |  |
| 1636632 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXX |  |
| 1636632 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX |  |
| 1636632 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1636632 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y |  |
| 1636632 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1636632 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1636632 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt |  |
| 1634550 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634550 | XXXXXXXXX | XXXXXXX | Appraised Value | XXXXX | XXXXX | Verified |
| 1634550 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634550 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634550 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXX | Verified |
| 1634550 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634550 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM |  |
| 1634550 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 27.30000 | 0.34314 | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXXXX | XXXXXXXXXXXX | Verified |
| 1635100 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Non-QM |  |
| 1635100 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 26.68000 | 0.26782 | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1636386 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Doc Type | Full | Alternative Doc |  |
| 1632956 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXX | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Product Code | Full Doc | NP30F | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXXXX | XXXXXXXXXXXX | Verified |
| 1632956 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Safe Harbor QM (APOR) |  |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 47.80000 | 0.48770 | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Margin | 3.00 |  | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 1686.77 | 1659.72 | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Higher Priced QM (APOR) |  |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 24.00000 | 0.23692 | Verified |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXX | Verified |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM |  |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 4.48000 | 0.04729 | Verified |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXX | Verified |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXX | Verified |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | XXXXX | Verified |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 40.06000 | 0.41818 | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | Y | N | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type | Term |  | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1635197 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.002 | 1.210 | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXXXX | XXXXXXXXXXXX | Verified |
| 1637119 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | DSCR | 2.153 | 2.260 | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y |  |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Property Type | Single Family | Two Family | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.051 | 1.020 | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1636845 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | DSCR | 2.042 | 1.930 | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXX | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXX | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1632508 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.704 | 1.570 | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Original LTV | XXXXXXXX | XXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Original P&I | 2120.07 | 2271.50 | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y |  |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Property City | XXXXX | XXXXX | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1634110 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed |  |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX |  |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX |  |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX |  |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM |  |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 6.02000 | 0.05987 | Verified |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.669 | 1.730 | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXX | XXXXX | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 2098.57 | 2025.27 | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.543 | 1.520 | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 1279.08 | 1296.13 | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.078 | 1.090 | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Original Interest Rate | XXXXXX | XXXXXXX | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Original P&I | 1363.55 | 1347.63 | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y |  |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1634223 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXX | XXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.228 | 1.310 | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXX | XXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 943.94 | 1085.18 | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Safe Harbor QM (APOR) |  |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 32.30000 | 0.28820 | Verified |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed |  |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXX | XXXXX | Verified |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX |  |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX |  |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX |  |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM |  |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 17.43000 | 0.25189 | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXX | XXXXX |  |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | Property Type | Townhouse | PUD-Attached | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | Amortization Type |  | Fixed |  |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | First Payment Date |  | XXXXX |  |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | Maturity Date |  | XXXXX |  |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | Note Date |  | XXXXXXXX |  |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXX |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXX |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt |  |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXX | Verified |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXX | Verified |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed |  |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXX |  |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXX |  |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX |  |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty | N | Y |  |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | 7128485 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject purchased XXXXXXX within XX months XXXXXXXXXX not met for XXXX to be based off of appraisal, vs XXXXX plus improvements. XXXXX cannot close before XXXXXXX to use appraisal XXXXXXXXXX for XXXXXX XXXXXXXXXXXXX purchase XXXXX XXXXXXXXXX with XXXXXXXXXX in rehab holdback for XXXXXXXXXXXX | Per comments on XXXXX and conversation log: XXXXXXXXX XXXXX of XXXXXXXXXX was XXXXXXXXXXXX XXXX of XXX plus receipts for improvements does not equal appraisal value of XXXXXXXXXXXX XXX recognizes a complete rehab, including new XXXXXX complete X |  | Client 01/30/2025 10:54 AM; Per note ion XXXXX and conversation log: : XXXXXXXXX XXXXX of XXXXXXXXXX was XXXXXXXXXXXX XXXX of XXX plus receipts for improvements does not equal appraisal value of <br> XXXXXXXXXXXX XXX recognizes a complete rehab, including new XXXXXX complete X<br>Reviewer 01/30/2025 11:21 AM; <br>| 01/30/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | 7128489 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory XXXXXX report | Drive XXXXXXX provided |  |  | 01/30/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | 7128490 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU score not provided, satisfactory second evaluation required | Acceptable XXXX provided |  |  | 01/30/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632508 | XXXXXXXXX | XXXXXXXXX | 7128953 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXXX located, satisfactory second evaluation required | Acceptable XXXX provided. |  |  | 02/05/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 | C | A | B | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632508 | XXXXXXXXX | XXXXXXXXX | 7129134 | 957 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | XXXXX XXXXXXXX XXXXXXX XXXXXX XXXXXXXX does not equal XXXXXXXXXXX XXXXXX XXXXXXXXX | Information provided |  | Client 02/13/2025 11:13 AM; seller is requesting confirmation on what amount is being used to calculate the paymnt <br>Reviewer 02/13/2025 11:29 AM; <br>Reviewer 02/13/2025 12:56 PM; Settlement statement signed at closing reflects monthly taxes as XXXXXXXXXX - XXXXX payment letter and note reflect XXXXXXXXXXXX XXXXX either corrected XXXXX payment letter or corrected settlement statement. <br>Reviewer 02/13/2025 12:56 PM; Hello <br> XXXXXXXXX have been updated on this one. XXXX XXXXXXXXXXX statement signed at closing reflects monthly taxes at XXXXXXXXXX vs. the XXXXX payment letter reflecting XXXXXXXXXXXXX<br>XXXXXX<br>| 02/18/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 | C | A | B | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | 7129094 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower does not meet minimum credit requirements for an XXXXX XXXXXXXXXXX XXXXXXXXX has no credit and no credit score. XXXXXXXXX may not be considered under the XXXXXXXX XXXXXXXXX XXXXXXXX as XXXXXXXXX resides and is self employed in the XXXXXXX XXXXXX agreement and rent ledger are not in our XXXXXXXXXXXXXX name. XXXXXX are no payments reflected on XXXX account to support rental history. | Borrower was qualified using XXXXXXX XX score/no score program (guideline page XXX the XXXX bullet points under consumer transactions). XXXX was less than XXXXX |  | Reviewer 02/06/2025 01:27 PM; Loan ineligible<br>| 02/06/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | 7129095 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | FNMA XXX XXXXXX > XXXX | Acceptable XXXX provided. |  | Client 02/06/2025 04:26 PM; ucdp uploaded to file XXXXXX you for reviewing<br>Reviewer 02/06/2025 07:18 PM; Condition has been cleared. XXX<br>| 02/06/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | 7129976 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Provide XXXXXXXX XXXXX XXXXX XXX in file is dated XXXXXXXXXXX which is not within XX days of application date of XXXXXXXXXXXX |  |  | Reviewer 02/27/2025 09:59 AM; LE provided is dated XXXXXXX XXXX initial XXXXXX the application date is XXXXXXXX XXXX XXXXXX XXXX was not issued within XX days of the XXXXXX application date. XXXXXX is day XXXX XXXXXXXXXXX remains open<br>Client 03/06/2025 09:33 AM; XXXXX XXXXX asked to cancel the file because the buyer was unhappy with something, internally we actioned the XXXXX loan number out as withdrawn/canceled by the borrower. <br> XXXX us that meant starting a new XXXXXXX with XXXX XXXXX dates all starting over on XXXXXXXXXXXX XXXXXXXXXXXX we did everything on our end perfectly. <br>XXXXX chose to keep the lock, not cancel it and still use our old XXXXX loan number even though our new documents and loan number XXXXX are what <br>Reviewer 03/06/2025 11:57 AM; Hello <br> XXXXXXXXXXXXX have been updated on this one - its missing the XXXX issued within XX days of the application date XXXXXXX<br>Reviewer 03/06/2025 12:57 PM; <br>| 03/06/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | 7129977 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | 7132944 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Missing XXXXXXXX provider list disclosed within XX days of application date XXXXXXX | Information provided |  |  | 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129763 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXXXX XXXXXXXXXXX | Information provided |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129764 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX | Information provided |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129876 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | received loan approval |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129877 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Operating XXXXXXXXXX for XXXXXXXXXXX XXXXXXXXXXX XXXX missing from file. | received operating agreement |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129878 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Certificate of XXXXXXXXXX / XXXXXXXX of XXXXXXXXXXXXX for XXXXXXXXXXX XXXXXXXXXXX XXXX missing from file. | Received XXXX for business. |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129879 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Certificate of XXXXX XXXXXXXXX fort XXXXXXXXXXX XXXXXXXXXXX XXXX missing from file | Received XXXXXXXX XXX |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129880 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Certificate of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other that where business sis being performed) for XXXXXXXXXXX XXXXXXXXXXX XXXX missing from file | Received XXXXXXXX XXXX for business |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129881 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guarantees on all XXXXXXXX with XXXX or more for XXXXXXXXXXX XXXXXXXXXXX XXXX missing from file | received guarantees signed by both members |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129882 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | EIN XXXXXXX for the XXXXXXXXXXX XXXXXXXXXXX XXXX missing from file | received XXX |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129884 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Verification of funds to close on deposit minimum XX business days prior to close missing from file. XXXXXXXXX to meet XXXXXXXX XXXXXXXXX XXXXXXXXXXX section XXXXXXX | assets sufficient to close on deposit with XXXXX of XXXXXXXX XXXXXX |  | Reviewer 02/24/2025 10:10 AM; Documents provided did not include verification of funds to close on deposit minimum XX business days prior to close<br>| 03/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | 7129885 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit requirements for XXXXXXXX XXXXXXXXX not met XXXXXXXXXXX per section XXXXXX require a XXX credit report, international credit report, original credit reference letter from an internationally known financial institution XXX a XXXX statement documenting a foreign financial banking relationship for the past XXX days. | Received XXXX statement from XXXXXXXXXXXX dated XXXXXXXXX XXXXXXXX |  | Reviewer 02/24/2025 10:04 AM; The XXXX document received from XXXXXX de XXXXXXX does not name the borrower as owner of the account.<br>| 03/26/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1632907 | XXXXX | XXXXX | 7129978 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 03/05/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632907 | XXXXX | XXXXX | 7129979 | 961 | XXXXXXXXXX | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  | Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXXXXXX |  |  |  | 03/06/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632907 | XXXXX | XXXXX | 7130123 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing dated final loan approval | Received final approval |  |  | 03/05/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632907 | XXXXX | XXXXX | 7130176 | 1109 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Third collateral evaluation is required. |  | Variance greater than XXXX from XXXXX XXXXXXXXX XXXXXX collateral evaluation is required. | AVM provided XXXXXXXXX is XXXXXXXXX which exceeds allowable of XXXXXXX |  |  | 03/06/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1632956 | XXXXXXXXX | XXXXXXXXX | 7130122 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide the monthly property tax expense for the XXXX listed on the application in XXXXXXXX XXX with a XXXXXX monthly rental income of XXXXXXXXXX XXXX property profile report provided did not list the tax amounts. | Provided property tax calculation for XXX XXXXXXXXXXXXXX XXXXXXXXX is still under father''''s name and is assessing off XXXXXXXXXXXXXXXX XXXXXX the property is transferred will XXXXXXX assess the property for its full value. |  | Client 02/20/2025 03:22 PM; XXXXXXXXX_XX stockbridge tax XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX please see this upload of property tax calculation for XXX – property is still under fathers name and is assessing off XXXXXXXX – until the property is transferred will XXXXXXX assess the property for its full value XXXXXX you for reviewing<br>Reviewer 02/20/2025 04:14 PM; <br>| 02/20/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | 7133023 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Prepayment XXXXXXXX XXXXXX to the deed to be corrected to reflect the correct terms. XXXX lock, XXXX should be XXX months. XXXXXXX also include a XXXX to re-record. | Information provided |  | Reviewer 03/20/2025 12:17 PM; rec''''vd XXXX rider, however still need XXXX to re-record<br>| 03/26/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | 7132980 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Prepayment XXXXXXXX to be corrected to reflect the correct terms. XXXX lock, XXXX should be XXX months. | Information provided |  | Reviewer 03/07/2025 12:37 PM; Prepayment XXXXXXXX XXXXXXXXX to the note to be corrected to reflect the correct terms. XXXX lock, XXXX should be XXX months.<br>| 03/20/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7130752 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Required if XXX score is > XXXX | FNMA XXXXX XXX score is XXXX |  |  | 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7130753 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | FNMA XXX score missing from file. XXX XXX score is > XXXXXX XXXX required | FNMA XXXXX XXX score is XXXX |  |  | 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633477 | XXXXXXXXX | XXXXXXX | 7130876 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | FNMA XXXXX XXXX with a XXX score of XXXXX provided. |  |  | 03/14/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1633477 | XXXXXXXXX | XXXXXXX | 7130877 | 392 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | Borrower is a XXXXX-time homebuyer limited to a XXXX of XXXXXXXXXX XXXX was verified at XXXXXXXXX with an income of XXXXXXXXXXXXXX XXXX XXXXX XXXXXXXXX reflects a XXXX of XXXXXXXX and the most recent application and XXXXX do not reflect liabilities being paid off at or before closing. XXXXXXXX evidence of any consumer debt having been paid off prior to or at closing to qualify as a XXXXX-time homebuyer. | The XXXX contains an open XXXX condition for payoff of two small revolving debts to cure XXXX issue |  | Client 03/10/2025 11:36 AM; There is an open XXXX condition for payoff of two small revolving debts to cure XXXX issue. XXXXX has been an open condition since the initial approval.<br>Reviewer 03/10/2025 12:13 PM; <br>| 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | 7132859 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing dated final loan approval from XXXXX XXXXXXX | Information provided |  |  | 03/09/2025 |  |  | A | 1 | XXXXXXXXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | 7132861 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing written confirmation from the title company that the XXXX is acceptable and will be recorded concurrently with the security instrument, with a copy provided to XXXXX XXXXXXXXX | received recorded XXXX with same file # as XXXX |  | Reviewer 03/07/2025 08:03 PM; Document received did not include the XXXX from title company that the XXXX is acceptable and will be recorded concurrently with the security instrument<br>| 03/11/2025 |  |  | A | 1 | XXXXXXXXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133204 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXXXXXX missing from file | received loan approval |  |  | 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133105 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the operating agreement/articles of incorporation. |  |  |  | 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133106 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation |  |  |  | 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634110 | XXXXXXXXX | XXXXXXXXX | 7133072 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines | Acceptable XXXX provided. |  | Client 03/07/2025 05:05 PM; XXXXXXXXXXXXXX.pdf<br>Reviewer 03/09/2025 07:27 PM; <br>| 03/09/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | 7133022 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max XXXX XXXX for a XXXXX XXXXXXXX XXXXXXXXX cash out refinance. XXXXXXXXXX granted for XXXX XXXX XXXXX XXXXXXXX XXXXXXXXX cash out refinance with minimum XXXXX XXXXXXXX |  | Compensating factors: XXXXX ratio XXXXXXX experienced investor, property is free and clear, XXXX supports value. |  |  |  | 03/07/2025 | B | 2 | XXXXXXXXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | 7133025 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | LOE/Documentation to address XXXXXXXXXXXXXXXX alert reflected on the XXXXXX XXXXXXXXX XXXX XXXXXXXX recorded XXXXXXXXXXXX XXXXX meet seasoning guidelines. | Lis XXXXXXXX is not valid against subject property, as confirmed by title commitment |  | Client 03/10/2025 12:12 PM; Lis XXXXXXXX is not valid against subject property, as confirmed by title commitment showing no XXXX despite numerous updates.<br>Reviewer 03/10/2025 12:27 PM; <br>| 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | 7133026 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Corrected title commitment reflecting correct loan amount XXXXXXXXX | received revised title |  | Client 03/12/2025 04:53 PM; Revised commitment uploaded. <br>Reviewer 03/12/2025 08:11 PM; <br>| 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | 7133027 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum loan amount XXXXXXXXXXXX XXXXXXXX loan amount XXXXXXXXXXX |  | Exception for loan amount XXXXXXXXXXXXX provided. XXXXXXXXXXXXX XXXXXXXXX XXXXXXX score XXXXX XXXXX XXXXX XXXXXX XXXXXXX XXXXXXXXX experience, XXXXX and XXXXXX property, XXXXXXXXXX XXXXX | Client 03/10/2025 12:14 PM; Acra allows this without management exception, to a minimum of XXXXX<br>Reviewer 03/10/2025 12:27 PM; <br>|  |  | 03/10/2025 | B | 2 | XXXXXXXXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | 7133029 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of XXXX XXXX XXXXX XXXXXXXXX missing from file. XXXXXXXXX and XXXXXXXXXX | State of XXXXXXXXX XXXXXXXXX document provided. |  | Client 03/10/2025 12:13 PM; The only registered XXXX is XXXXX XXX XXXXXX it is doing business as XXXX XXXXX since the latter name was already registered to another owner. XXXX XXX XXXX XXXXX of XXXXX standing in file.<br>Reviewer 03/10/2025 12:27 PM; <br>| 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | 7133071 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Owner of property/vesting on appraisal and title do not match. | Seller on purchase contract is identified both on title and appraisal report as having a right or redemption. XXXXX clause allows seller to redeem the XXXXXXXXX XXXXXXXXXXXX through XXXXXXX XXXXX transaction represents that redemption. |  | Client 03/10/2025 11:05 AM; Seller on purchase contract is identified both on title and appraisal report as having a right or redemption. XXXXX clause allows seller to redeem the XXXXXXXXX XXXXXXXXXXXX through XXXXXXX XXXXX transaction represents that redemption.<br>Reviewer 03/10/2025 11:30 AM; <br>| 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | MN | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | 7133009 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Initial fully executed XXXXX missing from file. | Initial fully executed XXXXX provided |  |  | 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | MN | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7133699 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7133700 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Initial XXX with in XX days of XXXX application is missing | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7133701 | 893 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Need re-disclosed LE within 3 days of change of circumstance |  | any re disclosed XXX is missing | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7133703 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Intent to proceed is missing | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7133704 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | SSPL with in XX days of XXXX application is missing | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7133705 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | tool kit is missing | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7133706 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | E consent is missing- date is un clears as initial disclosures are missing- XXXXX is XXXXX e sign date in file currently | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7134473 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of XXXXXXXXXXX due to the addition of loan discount points. XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided within XXX days of closing | PCCD provided |  | Reviewer 03/20/2025 11:46 AM; coc uploaded does not give a valid coc (it only says discount points added). XXXXX tolerance violation of XXXXXXXXXXX due to the addition of loan discount points. XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided within XXX days of closing<br>Client 03/26/2025 02:01 PM; Documents uploaded XXXXX for remaining deficiencies , awaiting evolve review/update<br>Reviewer 03/26/2025 03:05 PM; <br>Reviewer 03/26/2025 03:36 PM; Hello <br> XXXXXXXXX were added on XXXXX in response to the doc that was uploaded on XXXXXXX XXXX XXXX uploaded is not a valid coc. <br>XXXXXX<br>Reviewer 04/02/2025 12:56 PM; PCCD provided must reflect the cure in section XXXX XXXXXXX be shown as a lender credit in section XXX as it is not a credit but a cure. XX new XXXXX will be required with cure reflected in section X<br>|  | 04/04/2025 |  | B | 2 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | 7134474 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 04/04/2025 |  |  | A | 1 | XXXXXXXXXX | OK | 1 | 1 | C | B | A | A | C | B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1633477 | XXXXXXXXX | XXXXXXX | 7133678 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  | Reviewer 03/18/2025 06:15 PM; missing XXXXX lock confirmation<br>| 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1633477 | XXXXXXXXX | XXXXXXX | 7133645 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | E consent on or before XXXX is missing | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | C | A | C | A |  | Non-QM | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7134354 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Evidence of XX months rent loss missing from file. | Received XXXX with more than XX months rental loss coverage. |  |  | 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7134355 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification XXX XXXXXXXXX rents or owns current residence or if XXXXXXXXX has owned real estate. XXX XXXXXXXXX is a XXXXX-time homebuyer, exception required for XXXXX purchasing an investement property. | Received XXXXXX XXXXXXXXX is not a XXXX |  |  | 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133806 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing required fraud report | received fraud report |  |  | 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133807 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing XXXXX XXXXX report with a score of XXXXX or below. XXX the score is over XXXXX then a desk review is required to confirm the appraisal market value of XXXXXXXXXXXXXXXX | CDA received supports value of XXXXXXXXX |  |  | 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133808 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing source of XXXXXXXXXX sent by wire transfer on XXXXXXXXXXXX XXXX XXXXXXXX balances must be verified in XXXX equivalency at the current exchange rate via either www.xe.com or the XXXX conversion table. XXXXX statements in any language other than XXXXXXXX must be translated into XXXXXXXXX | Received source of funds |  | Reviewer 03/25/2025 09:29 PM; The document received reflects the deposit of XXXXXXXXXX was sent by XXXXXXXXXXXX XXXXXXX XXXXXXXX documentation of the source and XXXX for XXXXXXXXXXXX XXXXXX<br>| 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133810 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final signed and dated application. XXXXXXXXXXXX in the file is not dated. | Received signed and dated application |  |  | 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133813 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the following documentation regarding XXXXXX XXXXX XXXXXXXXX XXXXX XXXX XXXXXXXXXXXX of XXXXX XXXXXXXXX and XXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other that where business is being performed. | LLC is a XXX XXXXX XXXXXX need XXXXX standing/ XXXXXXXXX XXXXX XXXXXXXXX from XXXXXXXXX XXX |  |  | 03/25/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133421 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The initial application, final application and rate lock are missing from the loan file. XXXX credit review is on hold until documents are received. |  |  |  | 03/14/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133249 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide initial application for proof of initial application date. | Information provided |  |  | 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133250 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 03/14/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133251 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Hazard policy is missing from images. |  |  | Reviewer 03/14/2025 01:29 PM; No document provided<br>| 03/26/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | 7133253 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the signed XXXXXXXXX XXXXXXXXX for each guarantor. |  |  | Reviewer 03/11/2025 11:00 AM; Please provide a XXX for XXXXXXXXXX XXXXXXXXXX<br>Reviewer 03/14/2025 01:29 PM; No document provided<br>Reviewer 03/19/2025 03:46 PM; PG uploaded is electronically signed. XXXXX wet signed XX<br>Reviewer 03/26/2025 11:38 AM; Guaranty provided is not signed. XXXXX wet signed guaranty agreement<br>Client 04/03/2025 11:43 AM; Acra accepts our guarantees e-signed as our borrowers are foreign national. XXXXXXX remove this condition. XXXXXX you.<br>Reviewer 04/03/2025 12:11 PM; <br>Reviewer 04/03/2025 02:23 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 04/03/2025 |  |  | A | 1 | XXXXXXXXXX | KY | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133215 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | received XXXXX XXXXX confirmation |  |  | 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133205 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Certificate of XXXXXXXXXX from XXXXXXX for new construction missing from file. | Received XXX |  |  | 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133206 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Flood XXXXXXXXXX in file must be in XXXX name. XXX is currently in XXXXXXXXXXXX names. | Received flood policy in XXXX name |  |  | 03/21/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133207 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | HOI must be in XXXX name. XXX is currently in XXXXXXXXXXXX names. | Received XXXX in XXXX name |  |  | 04/02/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133208 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in an XXXXX XXXX XXXX documentation required XXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXX of XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXX XXXXXXXXXXXX of XXXXX XXXXXXXXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if applicable), XXXXXXXXXXX on all members with XXXX or more ownership and XXXX XXXXXXXX | received business documents |  |  | 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133210 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Identification for XXXX missing from file. | Received XXX for XXX |  |  | 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133211 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Written confirmation from title the XXXX is acceptable missing from file and proof recorded with the security instrument. | received memo from title and XXXX sent for recording |  |  | 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | 7133212 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification XXXXXXX for XXXXX are in good standing with the state of XXXXXXXX missing from file - XXXX XXXXXXX guide page XXXXX | received XXX state detail for notary |  |  | 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634110 | XXXXXXXXX | XXXXXXXXX | 7133661 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Need corrected XXXXXXXXX XXXXXXXXX with correct spelling of XXXX - per operating agreement it is XXXXXX XXXXX | Information provided |  |  | 04/10/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634110 | XXXXXXXXX | XXXXXXXXX | 7133662 | 897 | XXXXXXXXXX | Credit | Compliance |  | Compliance - TRID CD- Other |  | Need final settlement statement reflecting correct XXXX name of XXXXXX XXX | Information provided |  |  | 04/10/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634110 | XXXXXXXXX | XXXXXXXXX | 7133663 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Need corrected XXXX reflecting the correct spelling of the XXXXX per operating agreement XXXX is XXXXXX XXXX (deed reflects XXXXXX XXXXXXXX XXXXX need letter of intent to re-record | Information provided |  | Reviewer 04/10/2025 02:35 PM; LOI to re-record has not been provided <br>Reviewer 04/10/2025 03:17 PM; Corrected documents are not signed by borrowers XXXXX and XXXXXX or authorized member XXXXXX XXXXXX is no evidence that XXXXXX is a member or authorized to sign for XXX<br>| 04/11/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634110 | XXXXXXXXX | XXXXXXXXX | 7133664 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Need corrected note reflecting the correct spelling of the XXXXX per operating agreement XXXX is XXXXXX XXXX (note reflects XXXXXX XXXXX | Information provided |  | Reviewer 04/10/2025 03:17 PM; Corrected documents are not signed by borrowers XXXXX and XXXXXX or authorized member XXXXXX XXXXXX is no evidence that XXXXXX is a member or authorized to sign for XXX<br>| 04/11/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 13 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634223 | XXXXXXXXX | XXXXXXXXX | 7133230 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | FNMA XXXXX XXXX dated XXXXXXXXX provided with a XXXXX XXXXXX of XXX |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | 7133441 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Required if XXX score is not available or > XXXX | CDA XXXXXXXXX provided |  |  | 03/24/2025 |  |  | A | 1 | XXXXXXXXXX | CO | 3 | 13 | C | A | C | A | A | A | C | A |  | Exempt | 1 |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | 7133442 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fully executed initial XXXXX missing from file. | Initial full executed XXXXX provided. |  |  | 03/24/2025 |  |  | A | 1 | XXXXXXXXXX | CO | 3 | 13 | C | A | C | A | A | A | C | A |  | Exempt | 1 |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | 7133443 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Most recent paystub for XXX missing from file. | WVOE was provided |  | Client 03/26/2025 02:09 PM; BX XXXXX dated XXXX is uploaded (this is reflecting income) <br>Reviewer 03/26/2025 03:46 PM; <br>| 03/26/2025 |  |  | A | 1 | XXXXXXXXXX | CO | 3 | 13 | C | A | C | A | A | A | C | A |  | Exempt | 1 |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | 7134827 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Please provide updated deed of trust that reflects the property as a XXXX along with a XXXX rider. XXXXXXX also include a XXXX to re-record. | Information provided |  |  | 04/10/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1634550 | XXXXXXXXX | XXXXXXX | 7133586 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | FNMA XXX score missing from file. XXX XXX score is > XXXXXX XXXX required. | FNMA XXX score is XXXX |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | IN | 1 | 1 | C | A | C | A | A | A | C | A |  | Non-QM | 1 |
| 1634550 | XXXXXXXXX | XXXXXXX | 7133588 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Fully executed XXX from sale of XXXX XX XXXXX netting minimum XXXXXXXXXXXXXX | net XXXXXXXXXX sufficient for closing and reserves. |  | Reviewer 03/24/2025 11:38 AM; CD provided is not signed or dated. XXXXXXXXX final fully executed XXX for sale of XXXX XX XXXXXXX <br>Reviewer 03/26/2025 05:48 PM; the document received was XXX for XXXXX XXXXXXXX<br>| 03/28/2025 |  |  | A | 1 | XXXXXXXXXX | IN | 1 | 1 | C | A | C | A | A | A | C | A |  | Non-QM | 1 |
| 1634550 | XXXXXXXXX | XXXXXXX | 7133591 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max XXXXX in the past XXX months for XXXXX > XXXXXX XXXXXXXXXX required as XXXXXXXXX has XXXX XXXXX in the past XXX months and XXXX XXXXX | NSF count for the XXXXXXXXX period is XXX which does not disqualify the borrower. XXXXXX than those, all of the overdrafts were paid into a neg balance. |  | Client 03/27/2025 10:55 AM; NSF count for the XXXXXXXXX period is XXXXX which does not disqualify the borrower. XXXXXX than those, all of the overdrafts were paid into a neg balance.<br>Reviewer 03/27/2025 11:24 AM; <br>| 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | IN | 1 | 1 | C | A | C | A | A | A | C | A |  | Non-QM | 1 |
| 1634721 | XXXXX | XXXXX | 7135240 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final loan approval | Approval dated XXXXXXXXXX provided. |  | Client 03/27/2025 12:07 PM; You already have the final approval XXXX uploaded again) - XXXXXXX see that all conditions XXXX and XXXX are clear<br>Reviewer 03/27/2025 12:22 PM; <br>| 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1634721 | XXXXX | XXXXX | 7135242 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing updated XXXXX XXXXXXXXXXXXX stating the qualifying credit score of XXXX which is the middle score of the primary wage earner. XXXX confirmation in the file has the qualifying score of XXXX which is the middle score of the coborrower | received updated lock |  |  | 03/28/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1634929 | XXXXXXXXX | XXXXXXX | 7134701 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | received XXXXX XXX score of XXXX |  |  | 03/20/2025 |  |  | A | 1 | XXXXXXXXXX | MI | 1 | 1 | C | A | A | A | A | A | C | A |  | Non-QM | 1 |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | 7134699 | 267 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Certificate of Occupancy |  | Certificate of XXXXXXXXXX from county for new construction missing from file. | Received XXX |  |  | 03/30/2025 |  |  | A | 1 | XXXXXXXXXX | OR | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | 7134695 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | FNMA XXX XXXXXX missing from file. XXX XXX score is > XXXXX XXXX required. | Received XXXXX XXX XXXXXX of XXX |  |  | 03/20/2025 |  |  | A | 1 | XXXXXXXXXX | OR | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1635100 | XXXXXXXXX | XXXXXXXXX | 7135101 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The doc type for this loan is XXX mos bk stmt but only the XX most recent months'''' statements were provided with calculator in the file. XXXX credit review is on hold until all statements are received. | Documentation provided |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1635100 | XXXXXXXXX | XXXXXXXXX | 7136674 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Documentation provided |  |  | 04/11/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1635100 | XXXXXXXXX | XXXXXXXXX | 7136825 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of XXXXXXXXX due to increase in appraisal fee with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | Documentation provided |  |  | 04/11/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| 1635196 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7135466 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing fraud reports on both borrowers | Received XXXXXX report for both borrowers |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1635196 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7135470 | 399 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | Missing fully completed gift letter for a XXXXXXXXX gift wired to closing | received gift letter |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | 7135488 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide the hazard policy for review. | Information provided |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | MI | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | 7135558 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing closing protection letter | Received XXX |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | MI | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | 7135559 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing hazard policy with acceptable coverage including rental loss coverage | HOI includes fair rental loss |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | MI | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1635298 | XXXXXXXXX | XXXXXXX | 7135487 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | Received XXXXX XXXXX XXXX |  |  | 03/30/2025 |  |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7135628 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing required fraud report | Drive XXXXXXX provided. |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7135629 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing required closing protection letter | CPL provided. |  |  | 04/01/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636386 | XXXXXXXXX | XXXXXXX | 7137020 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 04/15/2025 |  |  | A | 1 | XXXXXXXXXX | GA | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7136429 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval is required for a XXXXXX XXXXX XXXXXXXXXX that is also living rent free |  | Approval is granted for a XXXXXX XXXXX XXXXXXXXXX that is also living rent free subject to XXXX XXX gift funds and XXXX XXXXX must be XXXXX or greater. XXXX compensating factors are XXXX XXXX down payment of borrower funds XXXX XXXXX at XXXXXX XXXX XXX time credit XXXX post-closing reserves of over XXX months |  |  |  | 04/04/2025 | B | 2 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1636632 | XXXXXXXXX | XXXXXXX | 7136088 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | UCDP with a XXX score of XXXXX provided. |  |  | 04/14/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | 7136632 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the operating agreement/articles of incorporation. | Information provided |  |  | 04/16/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | 7137342 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a XXXX statement for XXXXXX XXXXXXXXX XXXXXXX documenting a foreign financial banking relationship for the past XXX days. XXXX XXXXXXXX balances must be verified in XXXX equivalency at the current exchange rate via either www.xe.com or the XXXX conversion table. XXXXX statements in any language other than XXXXXXXX must be translated into XXXXXXXXXX XXXXXX document in the file is only a snapshot showing a current balance. XXX providing a XXXXXXX transaction history the credit requirements for a XXXXXXXX XXXXXXXXX will be satisfied). | received XXX day XXXXXXX XXXX statement/ |  |  | 04/17/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | 7137343 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing written confirmation from the title company that the XXXX is acceptable and will be recorded concurrently with the security instrument, with a copy provided to XXXXX XXXXXXXX XXXXX for review. | Received email from title company |  |  | 04/17/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | 7137344 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXXXXXXXXXX of XXXXX XXXXXXXXX for XXXX XXXXX XXX XXXX entity | Received XXXXXXX XXX XXX |  |  | 04/17/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | 7136959 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The loan file is missing credit reference for foreign national, all entity documents per XXXXX guidelines, XXXXX final XXXXX in entity name and signed by all guarantors, XXXXX rate lock and XXXX statements translated in XXX dollars. |  |  |  | 04/15/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | 7136952 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing documents supporting a XXXXX payment history for the past XXX months on a mortgage described as XXXXXXXXXXXX XXXXXX XXXXXXXXX XXXXXX | XXXX provided. |  | Reviewer 04/11/2025 03:17 PM; WVOM loan number XXXXXXX vs. XXXXXX<br>| 04/14/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | 7136953 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXX XXXXXXXX XXXXX XXXXX XXXXXXXXXXXX | Received rate lock with XXXXX as investor. |  |  | 04/11/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | 7138505 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/01/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 1 | 13 | C | A | A | A | C | A | A | A |  | Higher Priced QM (APOR) | 1 |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | 7138506 | 970 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Initial XXX is missing, only the XXXXXX XXX is provided. | Information provided |  |  | 05/01/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 1 | 13 | C | A | A | A | C | A | A | A |  | Higher Priced QM (APOR) | 1 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | H-1B Visa |  |  | No |  |
| 1637333 | XXXXXX | XXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 02/24/2025 | 8.931% | Self-Employed |  | US Citizen |  |  |  | Yes | $83288.12 |
| 1633477 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 02/13/2025 | 7.809% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1634150 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1635298 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1634929 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 03/10/2025 | 8.823% | Self-Employed |  | US Citizen |  |  |  | Yes | $7861.34 |
| 1636632 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1634550 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11025.00 | 03/05/2025 | 9.109% | Self-Employed |  | US Citizen |  |  |  | Yes | $8832.47 |
| 1635100 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 03/07/2025 | 9.432% | Self-Employed |  | US Citizen |  |  |  | Yes | $56359.95 |
| 1636386 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 03/26/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632956 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 01/22/2025 | 7.665% | Not Required |  | US Citizen |  |  |  | Yes | $14261.01 |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 04/10/2025 | 9.048% | Employed | Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $6652.80 |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 02/27/2025 | 7.706% | Self-Employed |  | US Citizen |  |  |  | Yes | $164029.77 |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 02/25/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7277.40 |
| 1633858 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1635197 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1637119 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1636845 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1632508 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1634110 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1635196 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 03/10/2025 | 7.952% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7660.39 |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4636.88 | 12/20/2024 | 8.893% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $19324.79 |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 02/24/2025 | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634223 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 01/29/2025 | 8.209% | Self-Employed |  | US Citizen |  |  |  | Yes | $13304.76 |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632907 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1775.00 | 03/03/2025 | 9.19% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $24468.03 |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN Card |  |  | No |  |
| 1636725 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1637384 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634721 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/05/2024 | 8.203% | Self-Employed | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $36458.62 |
| 1637308 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $8835.00 | 03/19/2025 | 0.00% | Employed | Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $3788.27 |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1637333 | XXXXXX | XXXXXX | XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633477 | XXXXXXXXX | XXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634150 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1635298 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634929 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1636632 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634550 | XXXXXXXXX | XXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1635100 | XXXXXXXXX | XXXXXXXXX | XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1636386 | XXXXXXXXX | XXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1632956 | XXXXXXXXX | XXXXXXXXX | XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633858 | XXXXXXXXX | XXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1635197 | XXXXXXXXX | XXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1637119 | XXXXXXXXX | XXXXXXXXX | XXXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636845 | XXXXXXXXX | XXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1632508 | XXXXXXXXX | XXXXXXXXX | XXXXXX | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634110 | XXXXXXXXX | XXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1635196 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634223 | XXXXXXXXX | XXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1632907 | XXXXX | XXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636725 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1637384 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634721 | XXXXX | XXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1637308 | XXXXX | XXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

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| ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) | ![](ex99-6sch4_002.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** | **Run Date - 07/03/2025 8:39:46 AM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** |  |  |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1634498 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1637333 | XXXXXX | XXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633477 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1634150 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1635298 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1634929 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1636632 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1634550 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1635100 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1636386 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632956 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1638841 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634182 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634434 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633858 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1635197 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1637119 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633978 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1636845 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1632508 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634110 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1635196 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1632555 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1633473 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1633868 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632847 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1632166 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633159 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1636947 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1636849 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634223 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634000 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634100 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 1633476 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633635 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1636948 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1635228 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1634822 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1636572 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 4.68% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1636365 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632907 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1635020 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1634514 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1636335 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1636725 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1637384 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634721 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -1.41% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1637308 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | ServiceLink | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1636518 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1636376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634111 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634759 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1637207 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1634180 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 1634946 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW**

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party due diligence provider, performed the review described below on behalf of its client, ("Sutton Funding LLC"). The review included a total of 1 originated residential mortgage loan, in connection with the securitization identified as ("BARC 2025-NQM4") (the "Securitization"). The review was conducted March 2025 on mortgage loans originated February 2025

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review will include the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to
closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI / DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject and all
premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Maxwell will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based
on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.
Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Maxwell will review applicable mortgage loans for compliance with the ATR and QM rule requirements based
upon each mortgage loan's originator designation of QM, Non-QM, or exempt from ATR. (Maxwell determines the mortgage loan's
status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Maxwell notes as a material
exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Maxwell notes if
an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Maxwell utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor, Temporary
QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Maxwell reviews the mortgage
loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan
features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable
QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or
before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation,
if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes
a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Maxwell reviews the mortgage loan to determine whether, based
on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Maxwell
then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing the mortgage loan's actual
annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also
includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban
Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above,
Maxwell then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined within
the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating it
may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Maxwell reviews the mortgage loan to determine whether, based on available information in the mortgage
loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably
reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
to close and required reserves, to Confirm that the borrower has current or reasonably expected income or assets (other than the value
of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of income and
asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to
calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle,
interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners' association
("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based
upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit depth, including any /
all inquiries, and Determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The review will include a review of the valuation materials utilized during the origination of the loan
and in confirming the value of the underlying property. The review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 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, or if the appraisal was performed for another lender, the file contains a transfer
letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application;
Any revisions, if made known, to the original report are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party
valuation product. If a third-party valuation product is in file but notes a variance above 10% or an inconclusive value, Maxwell will
recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, Maxwell's review will (a) review the relative
comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties
are within standard appraisal guidelines; (b) confirm the property value and square footage of the subject property was bracketed by comparable
properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Maxwell's review include (i) verifying that the address matched the mortgage
note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) 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 (vi) confirming that the value product that was used as
part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, Maxwell will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, Maxwell will create an exception and work with the client on the next steps
which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full
appraisals. If the property valuation products included in Maxwell's review result in a variance of more than 10% then the client
will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Maxwell will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, Maxwell will review 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Maxwell will access 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.

**Compliance Review**

Not Applicable.

**Data Discrepancy**

As part of the Credit, Valuation and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, the loan received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Grade Summary** | &nbsp;&nbsp;**Valuation Grade Summary** | &nbsp;&nbsp;**Valuation Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**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 Credit Grade of "A", a Compliance Grade of "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** |  |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** |  |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** |  |

---

**Event Grade Definitions:**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX |  | XXXXXX | Qualifying Total Monthly Liabilities | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX |  | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | |
|:---|:---|
| ![Picture](ex99-7sch2_001.jpg) |  |
| Client | Barclays |
| Transaction | BARC 2025-NQM4 |
| Date | 06/24/2025 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3574333 | 1 of 3 | 2025-03-10 19:48 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-03-10 19:48 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3574337 | 2 of 3 | 2025-03-10 19:49 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-03-10 19:49 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3574346 | 3 of 3 | 2025-03-10 19:49 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-03-10 19:49 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 44.84 | 44.84 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Adequate | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |

---

## Exhibit 99.8

**Exhibit 99.8**

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES**

**FOR ASSET-BACKED SECURITIES**

&nbsp;&nbsp;Pursuant 17 CFR 240.17g-10, this Form must be used by a person providing third-party due diligence services in connection with an asset-backed security to comply with section 15E(s)(4)(B) of the Securities Exchange Act of 1934 (15 U.S.C. 78o-7(s)(4)(B)). Section 15E(s)(4)(B) of the Securities Exchange Act of 1934 requires a person providing the due diligence services to provide a written certification to any nationally recognized statistical rating organization that produces a credit rating to which such due diligence services relate.

 **Item 1. Identity of the person providing third-party due diligence services**

**Legal Name**: <u>_**Selene Diligence LLC________________________________**</u>

**Business Name (if Different)<u>:</u>** <u>_____________________________________</u>

**Principal Business Address<u>: 3501 Olympus Boulevard, Suite 530,</u>**

**<u>Coppell, TX 75019_</u>**

**Item 2. Identity of the person who paid the person to provide third-party due diligence services**

**Legal Name**: **<u>___________ Sutton Funding LLC _______________</u>**

**Business Name (if Different)<u>:_</u>** <u>_______________________________________________</u>

**Principal Business Address<u>: __ 745 Seventh Avenue, New York, NY 10019</u>**

 **Item 3. Credit rating criteria**

If the due diligence performed by the third party is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization, identify the nationally recognized statistical rating organization and the title and date of the published criteria (more than one nationally recognized statistical rating organization may be identified).

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| S&P Global Ratings | Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|
| Kroll Bond Rating Agency, LLC | **"US RMBS Rating Methodology", December 7, 2023.** |

---

 **Item 4. Description of the due diligence performed**

**See attached Narrative**

**Item 5. Summary of findings and conclusions of review**

**See attached Narrative**

**<u>CERTIFICATION</u>**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

**Name of Person Identified in Item 1. Selene Diligence LLC**

---

| | |
|:---|:---|
| By: | _____________________________________ |
|  | (Print name of duly authorized person) (Signature) |
| Date: | ____________________________________ |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxx9705 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx9705 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0229 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0021 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0197 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0042 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0042 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0171 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0263 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxx1413 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx5911 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1467 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1467 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxx0982 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0982 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxx0982 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx9429 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx9429 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| xxxxx0972 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0057 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0931 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1382 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1382 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0098 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1433 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0301 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0301 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0266 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0336 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0300 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1623 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2760 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2760 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxx2760 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2879 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1613 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1613 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx2804 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2804 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1638 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2856 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2011 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxx2011 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2911 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2009 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2024 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2572 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2572 |  |  | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| xxxxxx6527 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6527 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx6527 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6527 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6527 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx6527 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8573 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8573 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8573 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8573 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7111 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7111 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7111 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7111 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7111 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8997 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7811 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7811 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7811 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8764 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8764 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8764 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8764 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8704 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8704 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8704 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8779 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8779 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8779 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8779 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8779 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8779 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8924 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8924 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8924 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8924 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8924 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8745 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8745 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8745 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8745 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7715 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7715 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7715 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7480 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8862 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxx9434 |  | XXXX | XXXX C D A B |
| xxxxx9705 |  | XXXX | XXXX A D |
| xxxxx0229 |  | XXXX | XXXX A D |
| xxxxx0021 |  | XXXX | XXXX A B |
| xxxxx0170 |  | XXXX | XXXX C D A B |
| xxxxx0197 |  | XXXX | XXXX A D |
| xxxxx0042 |  | XXXX | XXXX D A |
| xxxxx0171 |  | XXXX | XXXX B D A |
| xxxxx0306 |  | XXXX | XXXX B D A |
| xxxxx0263 |  | XXXX | XXXX A B |
| xxxxx1413 |  | XXXX | XXXX B D A |
| xxxxx5911 |  | XXXX | XXXX C D A B |
| xxxxx1467 |  | XXXX | XXXX B D A |
| xxxxx0982 |  | XXXX | XXXX A D |
| xxxxx9429 |  | XXXX | XXXX A D |
| xxxxx0972 |  | XXXX | XXXX C D A B |
| xxxxx0057 |  | XXXX | XXXX D A |
| xxxxx0931 |  | XXXX | XXXX A D |
| xxxxx1463 |  | XXXX | XXXX A D |
| xxxxx1370 |  | XXXX | XXXX D A |
| xxxxx0060 |  | XXXX | XXXX D A |
| xxxxx1382 |  | XXXX | XXXX A D |
| xxxxx0098 |  | XXXX | XXXX A D B |
| xxxxx1433 |  | XXXX | XXXX C D A B |
| xxxxx0301 |  | XXXX | XXXX D A |
| xxxxx0266 |  | XXXX | XXXX D A |
| xxxxx0336 |  | XXXX | XXXX B D A |
| xxxxx0245 |  | XXXX | XXXX B D A |
| xxxxx0300 |  | XXXX | XXXX C A B |
| xxxxx1578 |  | XXXX | XXXX D A |
| xxxxx2740 |  | XXXX | XXXX B D A |
| xxxxx1623 |  | XXXX | XXXX B D A |
| xxxxx2846 |  | XXXX | XXXX A |
| xxxxx2760 |  | XXXX | XXXX C A |
| xxxxx2843 |  | XXXX | XXXX A B |
| xxxxx2879 |  | XXXX | XXXX D A |
| xxxxx1613 |  | XXXX | XXXX A D |
| xxxxx2731 |  | XXXX | XXXX D A |
| xxxxx1639 |  | XXXX | XXXX C A |
| xxxxx2804 |  | XXXX | XXXX C B A |
| xxxxx1638 |  | XXXX | XXXX B D C A |
| xxxxx2856 |  | XXXX | XXXX D B A |
| xxxxx2011 |  | XXXX | XXXX C A |
| xxxxx2911 |  | XXXX | XXXX B D A |
| xxxxx2009 |  | XXXX | XXXX B D A |
| xxxxx2841 |  | XXXX | XXXX A C |
| xxxxx1202 |  | XXXX | XXXX D A B |
| xxxxx2024 |  | XXXX | XXXX A D |
| xxxxx2572 |  | XXXX | XXXX A D |
| xxxxxx0197 |  | XXXX | XXXX D C A |
| xxxxxx6527 |  | XXXX | XXXX D A |
| xxxxxx8573 |  | XXXX | XXXX D A |
| xxxxxx7111 |  | XXXX | XXXX D A |
| xxxxxx8266 |  | XXXX | XXXX C D A |
| xxxxxx8997 |  | XXXX | XXXX C A |
| xxxxxx7811 |  | XXXX | XXXX C D A |
| xxxxxx8764 |  | XXXX | XXXX D A |
| xxxxxx8704 |  | XXXX | XXXX A |
| xxxxxx8779 |  | XXXX | XXXX A |
| xxxxxx8924 |  | XXXX | XXXX C D A |
| xxxxxx8745 |  | XXXX | XXXX A C |
| xxxxxx7715 |  | XXXX | XXXX C A |
| xxxxxx7480 |  | XXXX | XXXX D A |
| xxxxx2663 |  | XXXX | XXXX D A |
| xxxxxx8862 |  | XXXX | XXXX C D B A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-28 04:30 | 2024-11-13 16:54 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Exception Approved. - Due Diligence Vendor-11/13/2024 <br>Ready for Review-Document Uploaded. - Seller-11/10/2024 <br>Open-Refinance Vacant property Max LTV is 70% whereas for Interest only R/T Refinance Max LTV is 75%. Per Matrix, Max DSCR for R/T Refi is 0.99 with 70% LTV; however. RT Refi Max LTV is 80% with a DSCR Min of 1.0. Provide Exception for DSCR less than Min 1.00. Loan File DSCR 0.785 - Due Diligence Vendor-10/28/2024 | Ready for Review-Document Uploaded. - Seller-11/10/2024<br>| Waived-Exception Approved. - Due Diligence Vendor-11/13/2024<br>| XXXX |  | Credit Score - Loan File 728, GL Requirement Min 700<br> Tradelines - Loan File 31, GL Requirement No Minimum<br> Housing Payment History - Loan File 0x30x52 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 5 years, GL Requirement 1 year<br> Other- Loan File Rate Reduction-Interest rate on subject lien is reducing from 11% to 7.375%<br> Personal Guaranty with full recourse executed by borrower present in file | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2691231 | Originator Post-Close | Yes |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 15:58 | 2024-11-13 16:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Approved. - Due Diligence Vendor-11/13/2024 <br> Ready for Review-Document Uploaded. - Seller-11/10/2024 <br> Open-Borrower Type ineligible per program guidelines. Note is signed by XXXX - MANAGING MEMBER of behalf on the Business Entity, XXXX. Provide Exception - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-11/10/2024<br>| Waived-Exception Approved. - Due Diligence Vendor-11/13/2024<br>| XXXX |  | Credit Score - Loan File 728, GL Requirement Min 700<br> Tradelines - Loan File 31, GL Requirement No Minimum<br> Housing Payment History - Loan File 0x30x52 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 5 years, GL Requirement 1 year<br> Other- Loan File Rate Reduction-Interest rate on subject lien is reducing from 11% to 7.375%<br> Personal Guaranty with full recourse executed by borrower present in file | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2721945 | Originator Post-Close | Yes |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 16:50 | 2024-11-13 13:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Resolved-Lock reflects No PPP - Due Diligence Vendor-11/13/2024 <br>Ready for Review-Document Uploaded. See attached lock ...this one had no PPP. - Seller-11/10/2024 <br>Open-per Matrix, Prepayment Penalty: • 6 Months interest on 80% of original principal balance.• 3 years standard term. provide confirmation that PPP is not required as reflected on the HUD-1 - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. See attached lock ...this one had no PPP. - Seller-11/10/2024<br>| Resolved-Lock reflects No PPP - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722372 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 17:56 | 2024-11-07 17:15 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-11/07/2024 <br>Ready for Review-Document Uploaded. - Seller-11/06/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-11/06/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-11/07/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722965 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 16:51 | 2024-11-07 17:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of the Rate Lock received - Due Diligence Vendor-11/07/2024 <br>Ready for Review-Document Uploaded. - Seller-11/06/2024 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of the Rate Lock - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-11/06/2024<br>| Resolved-Confirmation of the Rate Lock received - Due Diligence Vendor-11/07/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722379 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 17:40 | 2024-11-04 12:56 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Personal Guaranty received - Due Diligence Vendor-11/04/2024 <br>Ready for Review-Document Uploaded. - Seller-10/31/2024 <br>Open-Provide Personal Guaranty - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Resolved-Personal Guaranty received - Due Diligence Vendor-11/04/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722823 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-28 04:05 | 2024-10-31 16:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception Approved<br> Exception Approval on 10/16/2024 by XXXX on page 556. <br> Exception Reason: Max LTV - Loan File 74%, GL Requirement Max 70%<br> Other: Max would be 70% due to the vacant on refinance overlay. However, the file contains a lease dated after the appraisal was done, as well as the 1st month & security deposit funds. Issuing a guideline exception in an abundance of caution.<br> - Due Diligence Vendor-10/28/2024 |  | Waived-Audited LTV Exceeds Guideline LTV Exception Approved<br> Exception Approval on 10/16/2024 by XXXX on page 556. <br> Exception Reason: Max LTV - Loan File 74%, GL Requirement Max 70%<br> Other: Max would be 70% due to the vacant on refinance overlay. However, the file contains a lease dated after the appraisal was done, as well as the 1st month & security deposit funds. Issuing a guideline exception in an abundance of caution.<br> - Due Diligence Vendor-10/28/2024 |  |  | Credit Score - Loan File 728, GL Requirement Min 700<br> Tradelines - Loan File 31, GL Requirement No Minimum<br> Housing Payment History - Loan File 0x30x52 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 5 years, GL Requirement 1 year<br> Other- Loan File Rate Reduction-Interest rate on subject lien is reducing from 11% to 7.375%<br> Personal Guaranty with full recourse executed by borrower present in file | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2691195 | Originator Pre-Close | Yes |
| XXXX | xxxxx9705 |  |  | Closed | 2024-11-27 12:12 | 2024-12-05 12:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE Received - Due Diligence Vendor-12/05/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-11/27/2024 |  | Resolved-Initial LE Received - Due Diligence Vendor-12/05/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2893079 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-11-27 12:14 | 2024-12-05 12:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-ABA Received - Due Diligence Vendor-12/05/2024 <br>Open-Provide Affiliated Business Disclosure - Due Diligence Vendor-11/27/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/05/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2893088 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-11-27 12:11 | 2024-12-05 12:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/05/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/05/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-11/27/2024 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/05/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/05/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2893071 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-11-27 12:11 | 2024-12-05 12:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/05/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/05/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-11/27/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/05/2024 <br> Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/05/2024 |  |  |  | NJ | Primary Residence | Purchase | NA | 2893067 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-11-27 10:02 | 2024-12-05 12:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-12/05/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/05/2024 <br>Open-The Initial 1003 is Missing Provide executed Initial 1003 - Due Diligence Vendor-11/27/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-12/05/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/05/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2892595 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-12-03 20:30 | 2024-12-05 12:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD received. - Due Diligence Vendor-12/05/2024 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-12/04/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/03/2024 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-12/04/2024<br>| Resolved-Initial CD received. - Due Diligence Vendor-12/05/2024<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 2922713 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-11-27 12:13 | 2024-12-05 12:50 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/05/2024 <br>Ready for Review-Document Uploaded. - Seller-12/04/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. - Seller-12/04/2024<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/05/2024<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 2893084 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-12-03 19:41 | 2024-12-05 12:49 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- E-Sign Consent Form received - Due Diligence Vendor-12/05/2024 <br>Ready for Review-Document Uploaded. - Seller-12/04/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/03/2024 | Ready for Review-Document Uploaded. - Seller-12/04/2024<br>| Resolved- E-Sign Consent Form received - Due Diligence Vendor-12/05/2024<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 2922068 | N/A | N/A |
| XXXX | xxxxx9705 |  |  | Closed | 2024-12-05 13:22 | 2024-12-05 13:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 467 and the Final Closing disclosure on page 282 reflects escrows. Rate lock date was entered correctly – see page 479. An interior and exterior appraisal was completed for this property – see page 57, the appraisal disclosure was provided to the borrower(s)- see page Disc Finding page 155 and copy of the appraisal was given to the borrower – see page 254, 257. The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (8.702%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/05/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 467 and the Final Closing disclosure on page 282 reflects escrows. Rate lock date was entered correctly – see page 479. An interior and exterior appraisal was completed for this property – see page 57, the appraisal disclosure was provided to the borrower(s)- see page Disc Finding page 155 and copy of the appraisal was given to the borrower – see page 254, 257. The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (8.702%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/05/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2936142 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-12-04 23:52 | 2024-12-10 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD was not signed- Received Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Why are you asking for the initial CD when the other condition on the changed circumstances says it was reviewed? - Seller-12/06/2024 <br>Open-TRID: Missing Closing Disclosure Provide executed Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/04/2024 | Ready for Review-Why are you asking for the initial CD when the other condition on the changed circumstances says it was reviewed? - Seller-12/06/2024<br>| Resolved-Initial CD was not signed- Received Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024<br>|  |  |  | OR | Primary Residence | Purchase | NA | 2933623 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-11-27 08:02 | 2024-12-10 12:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received Revised LE, COC and Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase of Loan Discount Points from the Initial LE iao $9,801 to the initial CD iao $11,313 - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Received Revised LE, COC and Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2892334 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-12-04 23:09 | 2024-12-10 12:14 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2933351 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-11-27 05:31 | 2024-12-09 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided. - Due Diligence Vendor-12/09/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-The Deed of Trust is Missing Provide Deed of Trust/Mortgage - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Deed of Trust document provided. - Due Diligence Vendor-12/09/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2891982 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-11-27 08:02 | 2024-12-10 12:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guideline - Due Diligence Vendor-12/10/2024 <br>Resolved-The loan's (8.968%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-11/27/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guideline - Due Diligence Vendor-12/10/2024 <br>Resolved-The loan's (8.968%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-11/27/2024<br>|  |  |  | OR | Primary Residence | Purchase | NA | 2892335 | N/A | N/A |
| XXXX | xxxxx0021 |  |  | Closed | 2024-12-06 22:45 | 2024-12-11 17:42 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document provided - Due Diligence Vendor-12/11/2024 <br>Ready for Review-Document Uploaded. - Seller-12/09/2024 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. - Seller-12/09/2024<br>| Resolved-E-signature document provided - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2954474 | N/A | N/A |
| XXXX | xxxxx0021 |  |  | Closed | 2024-12-04 14:19 | 2024-12-04 14:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.306%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 518 and the Final Closing disclosure on Pg 240 reflects escrows. Rate lock date was entered correctly – see Pg 561 An interior and exterior appraisal was completed for this property – see pg 78 to 86 the appraisal disclosure was provided to the borrower(s)- see Pg 548, and copy of the appraisal was given to the borrower – see Pg 70 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/04/2024 |  | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.306%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 518 and the Final Closing disclosure on Pg 240 reflects escrows. Rate lock date was entered correctly – see Pg 561 An interior and exterior appraisal was completed for this property – see pg 78 to 86 the appraisal disclosure was provided to the borrower(s)- see Pg 548, and copy of the appraisal was given to the borrower – see Pg 70 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/04/2024 |  |  |  | MD | Primary Residence | Purchase | NA | 2926816 | N/A | N/A |
| XXXX | xxxxx0021 |  |  | Closed | 2024-12-04 14:19 | 2024-12-04 14:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.306%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 518 and the Final Closing disclosure on Pg 240 reflects escrows. Rate lock date was entered correctly – see Pg 561 An interior and exterior appraisal was completed for this property – see pg 78 to 86 the appraisal disclosure was provided to the borrower(s)- see Pg 548, and copy of the appraisal was given to the borrower – see Pg 70 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/04/2024 |  | Resolved-The loan's (8.306%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 518 and the Final Closing disclosure on Pg 240 reflects escrows. Rate lock date was entered correctly – see Pg 561 An interior and exterior appraisal was completed for this property – see pg 78 to 86 the appraisal disclosure was provided to the borrower(s)- see Pg 548, and copy of the appraisal was given to the borrower – see Pg 70 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/04/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2926817 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-12 15:00 | 2024-12-12 15:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 430 and the Final Closing disclosure on page 302 reflects escrows. Rate lock date was entered correctly – see page 464. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 519 and copy of the appraisal was given to the borrower – see page 325. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 430 and the Final Closing disclosure on page 302 reflects escrows. Rate lock date was entered correctly – see page 464. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 519 and copy of the appraisal was given to the borrower – see page 325. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 <br>Open-The loan's (9.287%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/12/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 430 and the Final Closing disclosure on page 302 reflects escrows. Rate lock date was entered correctly – see page 464. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 519 and copy of the appraisal was given to the borrower – see page 325. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024<br>|  |  |  | CT | Primary Residence | Purchase | NA | 2990767 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-07 13:50 | 2024-12-12 15:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC and Disclosure Tracking Summary - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 2955651 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-12 15:00 | 2024-12-12 15:03 | Waived | 2 - Non-Material C B | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (First Lien) (8/15) | Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-12/12/2024 <br> Open-This is a XXXX Nonprime Home Loan. The loan's (9.287%) APR equals or exceeds the XXXX Nonprime Home Loan threshold of (8.28%). The difference is (1.007). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%). (XXXX. Gen. Stat. 36a-760(a)(7)) . - Due Diligence Vendor-12/12/2024 |  | Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-12/12/2024<br>|  |  | Per External Counsel Appropriate to Waive as a B Grade | CT | Primary Residence | Purchase | NA | 2990766 | Investor Post-Close | No |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-07 12:58 | 2024-12-12 14:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/12/2024 <br> Ready for Review-Document Uploaded. - Seller-12/10/2024 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX greater than Closing/Note date of XXXX. Provide HOI Policy with an effective date on or before 11/20/2024 - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/12/2024 | XXXX |  |  | CT | Primary Residence | Purchase | NA | 2955594 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-10 16:26 | 2024-12-12 14:43 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-12/10/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 2971877 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-10 18:13 | 2024-12-12 16:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. Already uploaded. If this is about 20 cents, the LE rounds down, so it won't show the exact cents. - Seller-12/10/2024 <br>Open-we need the COC for the Initial CD which increased the discount points - Due Diligence Vendor-12/10/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/10/2024 | Ready for Review-Document Uploaded. Already uploaded. If this is about 20 cents, the LE rounds down, so it won't show the exact cents. - Seller-12/10/2024<br>| Resolved- - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2973661 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-10 18:13 | 2024-12-12 16:21 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-12/12/2024 <br>Resolved-The loan's (9.072%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _535__ and the Final Closing disclosure on Pg#'s _130___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _554____ An interior and exterior appraisal was completed for this property – see pg 51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s __49__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2024 <br>Open-The loan's (9.072%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _261___ and the Final Closing disclosure on Pg#'s _130___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _280____ An interior and exterior appraisal was completed for this property – see pg _16___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s __41___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/10/2024 |  | Resolved-resolved - Due Diligence Vendor-12/12/2024 <br>Resolved-The loan's (9.072%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _535__ and the Final Closing disclosure on Pg#'s _130___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _554____ An interior and exterior appraisal was completed for this property – see pg 51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s __49__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2973662 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:19 | 2024-12-10 18:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the document was provided - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing. - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-the document was provided - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2903841 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:20 | 2024-12-10 17:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-The initial LE was provided - Due Diligence Vendor-12/10/2024 <br>Open-LE initial is missing in file. - Due Diligence Vendor-12/02/2024 |  | Resolved-The initial LE was provided - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903842 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 04:23 | 2024-12-10 17:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The document was provided - Due Diligence Vendor-12/10/2024 <br>Open-The Initial 1003 is Missing Loan Originator sign is missing on Initial 1003 page no 729- 735 - Due Diligence Vendor-12/02/2024 |  | Resolved-The document was provided - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903668 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:17 | 2024-12-10 17:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/10/2024 <br>Open-Homeownership Counseling Disclosure Is Missing in file.<br> - Due Diligence Vendor-12/02/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903833 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:18 | 2024-12-10 17:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/10/2024 <br>Open-Home loan toolkit is missing in file.<br> - Due Diligence Vendor-12/02/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903839 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:20 | 2024-12-10 06:25 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed in file. - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2903843 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-05 22:39 | 2024-12-10 06:24 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-SIgn Provided, Resolved. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-E-signature document missing - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-E-SIgn Provided, Resolved. - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2944602 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:07 | 2024-12-16 13:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised CD's on XXXX - Due Diligence Vendor-12/16/2024 <br> Open-TRID: Missing Closing Disclosure Provide the Revised CD's on XXXX & related COC's - Due Diligence Vendor-12/10/2024 |  | Resolved-Received Revised CD's on 10/17/2024, 10/18/2024 and 10/25/2024 - Due Diligence Vendor-12/16/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2968862 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:06 | 2024-12-16 13:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received Revised LE's on XXXX and related COC's - Due Diligence Vendor-12/16/2024 <br> Ready for Review-Document Uploaded. - Seller-12/11/2024 <br> Open-Provide the Revised LE's on XXXX & related COC's - Due Diligence Vendor-12/10/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Received Revised LE's on XXXX and related COC's - Due Diligence Vendor-12/16/2024 | XXXX |  |  | WA | Primary Residence | Purchase | NA | 2968856 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:04 | 2024-12-16 13:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/16/2024 <br>Open-Provide COC for the Loan Discount Points 1.61% that were added to the Initial CD iao $6697.60 - Due Diligence Vendor-12/10/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/10/2024 |  | Resolved- - Due Diligence Vendor-12/16/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2968849 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:04 | 2024-12-16 13:03 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/10/2024 <br>Open-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/10/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/10/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2968850 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:20 | 2024-12-10 11:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Disclosure - Due Diligence Vendor-11/26/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 2882927 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 03:56 | 2024-12-10 11:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved- Initial 1003 received - Due Diligence Vendor-12/04/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/04/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-11/26/2024 |  | Resolved- Initial 1003 received - Due Diligence Vendor-12/04/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882765 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-02 19:33 | 2024-12-10 11:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/10/2024 <br> Resolved-Updated 1003 received - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. - Seller-12/06/2024 <br> Open-The Final 1003 is Incomplete The calculation validating the correct income is as follows. Gross Income $XXXX Monthly Qualifying Income <br> Final 1003 and 1008 reflect $XXXX. It appears that the 4 and the 0 were inverted. <br> Provide updated 1003 - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-12/10/2024 <br>Resolved-Updated 1003 received - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 2909747 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-02 19:34 | 2024-12-10 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/10/2024 <br> Resolved-Updated 1008 received - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. - Seller-12/06/2024 <br> Open-The 1008 document is missing from the loan file. The calculation validating the correct income is as follows. Gross Income $XXXX Monthly Qualifying Income <br> Final 1003 reflect and 1008 $XXXX. It appears that the 4 and the 0 were inverted. <br> Provide updated 1008 - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/10/2024 <br>Resolved-Updated 1008 received - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 2909758 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-02 19:58 | 2024-12-10 06:24 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 2910121 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:20 | 2024-12-04 13:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-12/04/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-11/26/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882928 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:24 | 2024-12-04 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/04/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/04/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-11/26/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/04/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882938 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:24 | 2024-12-04 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/04/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/04/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-11/26/2024 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/04/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882936 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:22 | 2024-12-04 13:22 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/04/2024 <br>Ready for Review-Document Uploaded. - Seller-12/03/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-11/26/2024 | Ready for Review-Document Uploaded. - Seller-12/03/2024<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/04/2024<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 2882933 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 04:29 | 2024-12-04 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-12/04/2024 <br>Resolved-Purchase Contract received - Due Diligence Vendor-12/04/2024 <br>Ready for Review-Document Uploaded. - Seller-12/03/2024 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract - Due Diligence Vendor-11/26/2024 | Ready for Review-Document Uploaded. - Seller-12/03/2024<br>| Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-12/04/2024 <br>Resolved-Purchase Contract received - Due Diligence Vendor-12/04/2024<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 2882820 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:10 | 2024-12-16 18:42 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed provided - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/12/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed Disclosure. Required on Primary Residence and Second Homes, Provide the same. - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/12/2024<br>| Resolved-Intent to proceed provided - Due Diligence Vendor-12/16/2024<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 2955407 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:13 | 2024-12-16 18:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-12/16/2024 <br>Ready for Review-initial CD provided - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/12/2024 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing which is required to run Mavent, Provide the same. - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/12/2024<br>|  | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 2955411 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-16 17:59 | 2024-12-16 18:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _158___ and the Final Closing disclosure on Pg#'s _97___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _165____ An interior and exterior appraisal was completed for this property – see pg _43___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_findings__ , and copy of the appraisal was given to the borrower – see Pg#'s _Findings____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/16/2024 <br>Open-The loan's (10.048%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-12/16/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _158___ and the Final Closing disclosure on Pg#'s _97___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _165____ An interior and exterior appraisal was completed for this property – see pg _43___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_findings__ , and copy of the appraisal was given to the borrower – see Pg#'s _Findings____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3014241 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:11 | 2024-12-16 18:23 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-document was provided - Due Diligence Vendor-12/16/2024 <br>Open-Affiliated Business Arrangement Disclosure Missing, Required on Primary Residence and Second Homes. Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-document was provided - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955409 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:12 | 2024-12-16 18:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-LE provided - Due Diligence Vendor-12/16/2024 <br>Open-Initial LE is missing which is required to run Mavent, Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-LE provided - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955410 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 07:48 | 2024-12-16 18:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024 <br>Open-The Initial 1003 is Missing Initial 1003 is Missing, Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955289 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-16 17:59 | 2024-12-16 18:15 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Loan Warehousing Fee (Fee ID: 120) | Resolved- - Due Diligence Vendor-12/16/2024 <br> Open-Loan Warehousing Fee (Fee ID: 120) is not allowed to be charged to the Borrower and paid to the Affiliate or Provider in NJ under the New Jersey Mortgage Loans, Fees, Obligations Provisions. The XXXX Mortgage Loans, Fees, Obligations Provisions allow this fee to be paid only to the lender. (XXXXA.C. 3:1-16.2(a). - Due Diligence Vendor-12/16/2024 |  | Resolved- - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3014239 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-16 17:59 | 2024-12-16 18:02 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-resolved - Due Diligence Vendor-12/16/2024 <br> Open-The Last Loan Estimate was provided on (XXXX) which is on or after (XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) open - Due Diligence Vendor-12/16/2024 |  | Resolved-resolved - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3014240 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:11 | 2024-12-16 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open-Homeownership Counseling Disclosure & Your Home Loan Toolkit Missing Required on Primary Residence and Second Homes. Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955408 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-11 23:15 | 2024-12-16 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open- - Due Diligence Vendor-12/11/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2987910 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-11 23:14 | 2024-12-16 16:55 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-received the E-signature document - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/12/2024 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/12/2024<br>| Resolved-received the E-signature document - Due Diligence Vendor-12/16/2024<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 2987903 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-19 03:42 | 2025-01-02 19:38 | Resolved | 1 - Information C A | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved-Updated discount points and COC present for rate lock. Finding resolved. - Due Diligence Vendor-01/02/2025 <br> Open-Updated lock points to read as bona fide as well as updated undiscounted rate. - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. Mavent report attached. - Seller-01/02/2025 <br> Counter-Pending discount point disclosure to clear condition. Finding countered. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. Loan was initially disclosed on XXXX with an 8.875% rate with no discount points. Rate was reduced on XXXX to 8.75% with a 0.415% discount point that comes to a total of $1,105.56.<br> This is a bona fide discount point because it resulted in a reduction of the rate. - Seller-12/23/2024 <br> Open-Fees paid to lender exceed the threshold. Under the XXXX Interest Provisions, on a first lien closed end loan less than $300,000, lender fees not specifically authorized by statute are limited to ($666.00), which is the greater of 1/4 of 1% of the loan amount or $150. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($1,105.56). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (N.C. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d)) . - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Mavent report attached. - Seller-01/02/2025 <br> Ready for Review-Document Uploaded. Loan was initially disclosed on XXXX with an 8.875% rate with no discount points. Rate was reduced on XXXX to 8.75% with a 0.415% discount point that comes to a total of $1,105.56.<br> This is a bona fide discount point because it resulted in a reduction of the rate. - Seller-12/23/2024 | Resolved-Updated discount points and COC present for rate lock. Finding resolved. - Due Diligence Vendor-01/02/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3039949 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-19 03:42 | 2025-01-02 19:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated discount points and COC present for rate lock. Finding resolved. - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. Mavent report attached. - Seller-01/02/2025 <br> Counter-Please provide Discount point disclosure or Mavent confirming discount points. Finding countered. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. Loan was initially disclosed on XXXX with an 8.875% rate with no discount points. Rate was reduced on XXXX to 8.75% with a 0.415% discount point that comes to a total of $1,105.56.<br> This is a bona fide discount point because it resulted in a reduction of the rate. - Seller-12/23/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Mavent report attached. - Seller-01/02/2025 <br> Ready for Review-Document Uploaded. Loan was initially disclosed on XXXX with an 8.875% rate with no discount points. Rate was reduced on XXXX to 8.75% with a 0.415% discount point that comes to a total of $1,105.56.<br> This is a bona fide discount point because it resulted in a reduction of the rate. - Seller-12/23/2024 | Resolved-Updated discount points and COC present for rate lock. Finding resolved. - Due Diligence Vendor-01/02/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3039948 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-19 03:42 | 2025-01-02 19:27 | Waived | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived- - Due Diligence Vendor-01/02/2025 <br> Waived-Per External Counsel Appropriate to Waive as a B Grade. Finding waived. - Due Diligence Vendor-12/19/2024 <br> Open-The loan's (9.261%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.73%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-12/19/2024 |  | Waived-Per External Counsel Appropriate to Waive as a B Grade. Finding waived. - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3039951 | Investor Post-Close | No |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-09 04:49 | 2025-01-02 19:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. <br> - Due Diligence Vendor-12/19/2024 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/09/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. <br> - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2957513 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-09 04:50 | 2025-01-02 19:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-12/09/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2957517 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-09 04:46 | 2024-12-19 03:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided fully executed initial disclosure package including Initial LE. Finding resolved. <br> - Due Diligence Vendor-12/19/2024 <br>Open-TRID: Initial Loan Estimate is missing from file. - Due Diligence Vendor-12/09/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Initial LE. Finding resolved. <br> - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2957505 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-11 16:24 | 2024-12-19 03:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. <br> - Due Diligence Vendor-12/19/2024 <br>Open-The Initial 1003 is Missing Please provide fully executed Initial 1003. - Due Diligence Vendor-12/11/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. <br> - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2981990 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-11 18:10 | 2024-12-19 03:29 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. <br> - Due Diligence Vendor-12/19/2024 <br>Ready for Review-All of these were uploaded on 12/11. - Seller-12/16/2024 <br>Open-Please provide missing Written Settlement Services Provider List as relevant to Initial LE. SSPL in file is relevant to LE for different property address. - Due Diligence Vendor-12/11/2024 | Ready for Review-All of these were uploaded on 12/11. - Seller-12/16/2024<br>| Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. <br> - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2983661 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-09 04:49 | 2024-12-19 03:28 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. <br> - Due Diligence Vendor-12/19/2024 <br>Open-Affiliated Business Arrangement Disclosure Statement is Missing - Due Diligence Vendor-12/09/2024 |  | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. <br> - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2957515 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-09 04:50 | 2024-12-13 22:34 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 2957516 | N/A | N/A |
| XXXX | xxxxx0306 |  |  | Closed | 2024-12-19 03:42 | 2025-01-02 19:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 316 and the Final Closing disclosure on Pg. 150 reflects escrows. Rate lock date was entered correctly – see Pg. 323. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 68 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/02/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 316 and the Final Closing disclosure on Pg. 150 reflects escrows. Rate lock date was entered correctly – see Pg. 323. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 68 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 316 and the Final Closing disclosure on Pg. 150 reflects escrows. Rate lock date was entered correctly – see Pg. 323. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 68 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Resolved-The loan's (9.261%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-12/19/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 316 and the Final Closing disclosure on Pg. 150 reflects escrows. Rate lock date was entered correctly – see Pg. 323. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 68 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/02/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 316 and the Final Closing disclosure on Pg. 150 reflects escrows. Rate lock date was entered correctly – see Pg. 323. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 68 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 316 and the Final Closing disclosure on Pg. 150 reflects escrows. Rate lock date was entered correctly – see Pg. 323. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 68 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Resolved-The loan's (9.261%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3039950 | N/A | N/A |
| XXXX | xxxxx0263 |  |  | Closed | 2024-12-10 21:30 | 2024-12-13 22:29 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/10/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 2976527 | N/A | N/A |
| XXXX | xxxxx0263 |  |  | Closed | 2024-12-09 08:46 | 2024-12-09 08:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.642%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _310___ and the Final Closing disclosure on Pg#'s __117__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __108___ An interior and exterior appraisal was completed for this property – see pg _42___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__42_ , and copy of the appraisal was given to the borrower – see Pg#'s _42____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/09/2024 |  | Resolved-The loan's (8.642%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _310___ and the Final Closing disclosure on Pg#'s __117__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __108___ An interior and exterior appraisal was completed for this property – see pg _42___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__42_ , and copy of the appraisal was given to the borrower – see Pg#'s _42____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/09/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 2957976 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-09 06:21 | 2024-12-16 13:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Revised CD received - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Initial CD and Revised CD received - Due Diligence Vendor-12/16/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2957672 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-16 13:39 | 2024-12-16 13:45 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 576 and the Final Closing disclosure on page 442 reflects escrows. Rate lock date was entered correctly – see page 597. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44 and copy of the appraisal was given to the borrower – see page 44. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 <br>Open-The loan's (8.758%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/16/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 576 and the Final Closing disclosure on page 442 reflects escrows. Rate lock date was entered correctly – see page 597. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44 and copy of the appraisal was given to the borrower – see page 44. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3010454 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-16 13:39 | 2024-12-16 13:45 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 576 and the Final Closing disclosure on page 442 reflects escrows. Rate lock date was entered correctly – see page 597. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44 and copy of the appraisal was given to the borrower – see page 44. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 <br>Open-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.758%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.83%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/16/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 576 and the Final Closing disclosure on page 442 reflects escrows. Rate lock date was entered correctly – see page 597. An interior and exterior appraisal was completed for this property – see page 45, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44 and copy of the appraisal was given to the borrower – see page 44. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3010451 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-16 13:39 | 2024-12-16 13:42 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Updated Final CD - Due Diligence Vendor-12/16/2024 <br> Open-The Loan Product of (Fixed rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) . - Due Diligence Vendor-12/16/2024 |  | Resolved-Updated Final CD - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3010452 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-16 13:39 | 2024-12-16 13:42 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-Updated Final CD - Due Diligence Vendor-12/16/2024 <br> Open-The last Closing Disclosure Received Date (XXXX) is not at least 3 business days before the consummation date of (XXXX7). The (Fixed rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) . - Due Diligence Vendor-12/16/2024 |  | Resolved-Updated Final CD - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3010453 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-11 14:37 | 2024-12-16 13:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE Received - Due Diligence Vendor-12/16/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-12/11/2024 |  | Resolved-Initial LE Received - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2980224 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-09 05:17 | 2024-12-16 13:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-12/16/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/09/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-12/16/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2957554 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-09 06:59 | 2024-12-16 13:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open-Provide Homeownership Counselling Disclosure<br> - Due Diligence Vendor-12/09/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2957770 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-09 07:00 | 2024-12-16 13:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/09/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2957771 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-09 06:19 | 2024-12-16 13:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Written Service Providers List received - Due Diligence Vendor-12/16/2024 <br>Open-Provide Written Service Providers List - Due Diligence Vendor-12/09/2024 |  | Resolved-Written Service Providers List received - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2957669 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-09 06:25 | 2024-12-16 13:16 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Received - Due Diligence Vendor-12/16/2024 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/09/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/16/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2957680 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-09 06:18 | 2024-12-13 22:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure. - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2957668 | N/A | N/A |
| XXXX | xxxxx1413 |  |  | Closed | 2024-12-11 14:38 | 2024-12-13 22:29 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2980232 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2025-01-10 16:41 | 2025-02-03 20:14 | Waived | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-waived - Due Diligence Vendor-01/10/2025 <br> Resolved-Per External counsel, it is appropriate to waive to a grade B - Due Diligence Vendor-01/10/2025 <br> Open-The loan's (9.068%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.36%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/10/2025 |  | Waived-waived - Due Diligence Vendor-01/10/2025 <br>Resolved-Per External counsel, it is appropriate to waive to a grade B - Due Diligence Vendor-01/10/2025<br>|  |  | Per Counsel, appropriate to waive as a B | NC | Primary Residence | Purchase | NA | 3182304 | Investor Post-Close | No |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-07 11:17 | 2025-01-11 00:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-all documents were provided - Due Diligence Vendor-01/11/2025 <br> Ready for Review-Document Uploaded. - Seller-01/09/2025 <br> Counter-Document Uploaded. Unable to open pdfs for LEs issued XXXX. Please reupload. Finding countered. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. - Seller-01/05/2025 <br> Counter-We received the LE's for XXXX. According to the tracking information you provided, we are still missing XXXX. We you upload these two documents. - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. - Seller-01/02/2025 <br> Counter-the files uploaded have already been captured. the LE for XXXX did not upload. Could you upload them one more time. - Due Diligence Vendor-12/31/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Counter-Document Uploaded. Upon review of Initial disclosure package provided previously and in finding below the follow revised LEs, LE XXXX, LE XXXX, are missing from file. Unable to load pdfs provided in Missing Closing Disclosure Finding. Please provide Revised LEs as confirmed via Disclosure tracking provided for your review. Finding countered. - Due Diligence Vendor-12/24/2024 <br> Ready for Review-Document Uploaded. Initial disclosures already uploaded earlier in week. Guess we need to upload entire packages for each condition. - Seller-12/19/2024 <br> Counter-Revised LEs are missing from file including disclosure package as confirmed via Disclosure tracking. Please provide, once received can run Mavent. Finding countered. - Due Diligence Vendor-12/19/2024 <br> Open-Initial LE is missing which is required to run Mavent, Provide the same. - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/05/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Ready for Review-Document Uploaded. Initial disclosures already uploaded earlier in week. Guess we need to upload entire packages for each condition. - Seller-12/19/2024<br>| Resolved-all documents were provided - Due Diligence Vendor-01/11/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 2955541 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-07 11:17 | 2025-01-10 20:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Open-Home Loan Toolkit Missing from file and is required on Primary Residence. - Due Diligence Vendor-12/07/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2955543 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-11 17:32 | 2025-01-10 20:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Open-Homeownership Counseling Disclosure is missing from file. - Due Diligence Vendor-12/11/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/19/2024 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2983046 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2025-01-10 16:41 | 2025-01-10 17:30 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-01/10/2025 <br>Resolved-resolved - Due Diligence Vendor-01/10/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _307___ and the Final Closing disclosure on Pg#'s __162__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _329____ An interior and exterior appraisal was completed for this property – see pg _19___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Findingi__ , and copy of the appraisal was given to the borrower – see Pg#'s __63___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/10/2025 <br>Open-The loan's (9.068%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/10/2025 |  | Resolved-resolved - Due Diligence Vendor-01/10/2025 <br>Resolved-resolved - Due Diligence Vendor-01/10/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _307___ and the Final Closing disclosure on Pg#'s __162__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _329____ An interior and exterior appraisal was completed for this property – see pg _19___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Findingi__ , and copy of the appraisal was given to the borrower – see Pg#'s __63___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/10/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3182303 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-07 11:16 | 2024-12-19 03:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided Initial CD. Finding resolved. <br> - Due Diligence Vendor-12/19/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing which is required to run Mavent, Provide the same. - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-Lender provided Initial CD. Finding resolved. <br> - Due Diligence Vendor-12/19/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 2955540 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-07 11:17 | 2024-12-19 03:10 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. <br> - Due Diligence Vendor-12/19/2024 <br>Open-Affiliated Business Arrangement Disclosure Missing, Required on Primary Residence and Second Homes. Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. <br> - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2955542 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-11 17:31 | 2024-12-19 03:10 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including Written Settlement Services Provider List. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Open-Written Settlement Services Provider List relevant to Initial LE is missing from file. - Due Diligence Vendor-12/11/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Written Settlement Services Provider List. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2983029 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-07 10:06 | 2024-12-19 03:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Open-The Initial 1003 is Missing Initial 1003 is Missing, Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2955461 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-07 11:18 | 2024-12-18 23:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved.<br> - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed Disclosure. Required on Primary Residence and Second Homes, Provide the same. - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-ITP Provided, Resolved.<br> - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 2955544 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-11 17:47 | 2024-12-13 22:32 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3) | Resolved-Appraisal completed post disaster, shows no damage, resolved. - Due Diligence Vendor-12/13/2024 <br> Ready for Review-Appraisal completed well after event. - Seller-12/11/2024 <br> Open-Property potentially affected by FEMA Disaster ID XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-12/11/2024 | Ready for Review-Appraisal completed well after event. - Seller-12/11/2024<br>| Resolved-Appraisal completed post disaster, shows no damage, resolved. - Due Diligence Vendor-12/13/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2983276 | N/A | N/A |
| XXXX | xxxxx5911 |  |  | Closed | 2024-12-11 17:37 | 2024-12-13 22:31 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Asset Worksheet Provided, Resolved. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Please provide Asset worksheet, currently missing from file. - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Asset Worksheet Provided, Resolved. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 2983118 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-14 06:02 | 2024-12-17 22:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/17/2024 <br>Resolved-Lender provided fully executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Open-The Initial 1003 is Missing 1003 in file is not signed by borrower or loan officer. - Due Diligence Vendor-12/14/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/17/2024 <br>Resolved-Lender provided fully executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-12/17/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3007101 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-14 06:03 | 2024-12-17 22:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/17/2024 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Open-Home Loan toolkit missing from file.<br> - Due Diligence Vendor-12/14/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/17/2024 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/17/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3007105 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-14 06:04 | 2024-12-17 22:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/17/2024 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Open-Homeownership Counseling Disclosure Is Missing from file.<br> - Due Diligence Vendor-12/14/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/17/2024 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/17/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3007106 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-14 06:00 | 2024-12-17 22:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided fully executed initial disclosure package including Initial LE. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Open-Initial Loan Estimate missing from file.<br> - Due Diligence Vendor-12/14/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Initial LE. Finding resolved. - Due Diligence Vendor-12/17/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3007099 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-14 06:04 | 2024-12-17 22:09 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Open-Affiliated RESPA Business Disclosure missing from file.<br> - Due Diligence Vendor-12/14/2024 |  | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-12/17/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3007107 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-15 02:48 | 2024-12-17 22:09 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Open-Missing Written Settlement Services Provider List relevant to initial LE and application date. - Due Diligence Vendor-12/15/2024 |  | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-12/17/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3008118 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-14 06:04 | 2024-12-17 22:08 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Seller-12/15/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing from file. - Due Diligence Vendor-12/14/2024 | Ready for Review-Document Uploaded. - Seller-12/15/2024<br>| Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-12/17/2024<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3007108 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-14 06:03 | 2024-12-17 22:06 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-Lender provided executed e-consent. Finding resolved. - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Seller-12/15/2024 <br>Open-Econsent form is missing.<br> - Due Diligence Vendor-12/14/2024 | Ready for Review-Document Uploaded. - Seller-12/15/2024<br>| Resolved-Lender provided executed e-consent. Finding resolved. - Due Diligence Vendor-12/17/2024<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3007104 | N/A | N/A |
| XXXX | xxxxx1467 |  |  | Closed | 2024-12-17 22:31 | 2024-12-17 22:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.876%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 255 and the Final Closing disclosure on Pg. 108 reflects escrows. Rate lock date was entered correctly – see Pg. 278. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 147, for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/17/2024 |  | Resolved-The loan's (8.876%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 255 and the Final Closing disclosure on Pg. 108 reflects escrows. Rate lock date was entered correctly – see Pg. 278. An interior and exterior appraisal was completed for this property – see Pg. 41, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 147, for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/17/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3027852 | N/A | N/A |
| XXXX | xxxxx0982 |  |  | Closed | 2024-12-12 06:29 | 2024-12-17 17:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing disclosure provided - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Seller-12/13/2024 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing from file. - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/13/2024<br>| Resolved-Closing disclosure provided - Due Diligence Vendor-12/17/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2988648 | N/A | N/A |
| XXXX | xxxxx0982 |  |  | Closed | 2024-12-17 17:26 | 2024-12-17 17:46 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __553__ and the Final Closing disclosure on Pg#'s _343___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _587____ An interior and exterior appraisal was completed for this property – see pg _28___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__390_ , and copy of the appraisal was given to the borrower – see Pg#'s __307___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/17/2024 <br>Open-The loan's (8.092%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-12/17/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __553__ and the Final Closing disclosure on Pg#'s _343___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _587____ An interior and exterior appraisal was completed for this property – see pg _28___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__390_ , and copy of the appraisal was given to the borrower – see Pg#'s __307___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/17/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3023924 | N/A | N/A |
| XXXX | xxxxx0982 |  |  | Closed | 2024-12-12 23:18 | 2024-12-17 16:15 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document provided - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Seller-12/13/2024 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/13/2024<br>| Resolved-E-signature document provided - Due Diligence Vendor-12/17/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2998044 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-19 02:41 | 2024-12-19 02:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Property tax COC not required in Section F. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/19/2024 |  | Resolved-Property tax COC not required in Section F. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3039858 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-19 02:41 | 2024-12-19 02:53 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: 67) | Resolved-Updated property tax fee. Finding resolved. - Due Diligence Vendor-12/19/2024 <br> Open-XXXX<br> law does not allow Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: 67) to be charged to the Borrower, Seller, Originator, Lender or Other in XXXX. - Due Diligence Vendor-12/19/2024 |  | Resolved-Updated property tax fee. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3039859 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-19 02:41 | 2024-12-19 02:53 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Updated Initial CD receipt date. Finding resolved. - Due Diligence Vendor-12/19/2024 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-12/19/2024 |  | Resolved-Updated Initial CD receipt date. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3039861 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-09 06:42 | 2024-12-19 02:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided executed Initial LE. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Ready for Review-Uploaded last week with the items already cleared. - Seller-12/16/2024 <br>Open-Initial LE missing in file, required to run the Mavent. - Due Diligence Vendor-12/09/2024 | Ready for Review-Uploaded last week with the items already cleared. - Seller-12/16/2024<br>| Resolved-Lender provided executed Initial LE. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2957724 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-09 06:28 | 2024-12-18 23:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-ABA Provided, Resolved.<br> - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Uploaded last week. - Seller-12/16/2024 <br>Open- Affiliated Business Disclosure missing in file. - Due Diligence Vendor-12/09/2024 | Ready for Review-Uploaded last week. - Seller-12/16/2024<br>| Resolved-ABA Provided, Resolved.<br> - Due Diligence Vendor-12/18/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2957694 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-11 20:51 | 2024-12-18 23:26 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-provide the E-signature document - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2986380 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-11 20:50 | 2024-12-13 20:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Document provided is sufficient. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing the intent to proceed - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Document provided is sufficient. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 2986362 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-11 20:49 | 2024-12-13 20:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/13/2024 <br>Open-The document was missing<br> - Due Diligence Vendor-12/11/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/13/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2986356 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-11 20:50 | 2024-12-13 20:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/13/2024 <br>Open-Provide the home loan toolkit - Due Diligence Vendor-12/11/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/13/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2986378 | N/A | N/A |
| XXXX | xxxxx9429 |  |  | Closed | 2024-12-19 02:41 | 2024-12-19 02:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 433 and the Final Closing disclosure on Pg. 130 reflects escrows. Rate lock date was entered correctly – see Pg. 455. An interior and exterior appraisal was completed for this property – see Pg. 46, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 66 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Resolved-The loan's (8.308%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 433 and the Final Closing disclosure on Pg. 130 reflects escrows. Rate lock date was entered correctly – see Pg. 455. An interior and exterior appraisal was completed for this property – see Pg. 46, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 66 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 433 and the Final Closing disclosure on Pg. 130 reflects escrows. Rate lock date was entered correctly – see Pg. 455. An interior and exterior appraisal was completed for this property – see Pg. 46, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 66 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024 <br>Resolved-The loan's (8.308%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 433 and the Final Closing disclosure on Pg. 130 reflects escrows. Rate lock date was entered correctly – see Pg. 455. An interior and exterior appraisal was completed for this property – see Pg. 46, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 66 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/19/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3039860 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-17 13:25 | 2024-12-17 13:43 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 278 and the Final Closing disclosure on page 168 reflects escrows. Rate lock date was entered correctly – see page 299. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 138 and copy of the appraisal was given to the borrower – see page 195, 196. The loan meets HPML guidelines. - Due Diligence Vendor-12/17/2024 <br>Open-The loan's (8.835%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/17/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 278 and the Final Closing disclosure on page 168 reflects escrows. Rate lock date was entered correctly – see page 299. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 138 and copy of the appraisal was given to the borrower – see page 195, 196. The loan meets HPML guidelines. - Due Diligence Vendor-12/17/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 3020447 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-09 04:46 | 2024-12-17 13:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/17/2024<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 2957506 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-09 03:19 | 2024-12-17 13:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/09/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2957376 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-09 04:46 | 2024-12-16 12:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-12/16/2024 <br>Open-Provide Initial Loan Estimate - Due Diligence Vendor-12/09/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-12/16/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2957504 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-11 17:15 | 2024-12-16 12:32 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Received - Due Diligence Vendor-12/16/2024 <br>Open-Provide Affiliated Business Arrangement Disclosure Statement - Due Diligence Vendor-12/11/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/16/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2982782 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-09 04:39 | 2024-12-16 12:32 | Resolved | 1 - Information A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received in Initial Disclosures. See ITP Finding - Due Diligence Vendor-12/16/2024 <br>Rescinded-Fired during condition clearing, doc in file, DE corrected. - Due Diligence Vendor-12/13/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/13/2024 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide Home Loan Toolkit - Due Diligence Vendor-12/09/2024 |  | Resolved-Home Loan Toolkit received in Initial Disclosures. See ITP Finding - Due Diligence Vendor-12/16/2024 <br>Rescinded-Fired during condition clearing, doc in file, DE corrected. - Due Diligence Vendor-12/13/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/13/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2957494 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-11 16:36 | 2024-12-13 20:47 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-Document provided is sufficient. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Document provided is sufficient. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 2982184 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-09 04:45 | 2024-12-13 20:40 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Document provided is sufficient. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Document provided is sufficient. - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 2957501 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2024-12-11 17:07 | 2024-12-13 20:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document provided is sufficient to waive finding. - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Audited Reserves of 5.76 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 5.76 month(s) are less than Guideline Required Reserves of 3 months + 3 additional months due to No VOR provided = 6 month(s). Provide Exception - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Waived-Document provided is sufficient to waive finding. - Due Diligence Vendor-12/13/2024<br>| XXXX |  | Credit Score - Loan File 718, GL Requirement 700<br> LTV- Loan File 80%, GL Requirement Max 85%<br> DTI- Loan File 43.65%, GL Requirement Max 50%<br> Residual Income- Loan File $4,257.68, GL Requirement $1500+ $150\*3 Dependents= $1950<br> Borrower Contribution > 5% above min - 98% versus 10% GL Requirement | TN | Primary Residence | Purchase | NA | 2982631 | Originator Pre-Close | Yes |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-06 04:20 | 2024-12-16 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Self Employment Business Narrative N/A on Full Doc - Due Diligence Vendor-12/16/2024 <br>Ready for Review-This isn't provided on the full doc loans. - Seller-12/13/2024 <br>Counter-Rate Lock received. Provide Self Employment Business Narrative - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-Provide Self Employment Business Narrative - Due Diligence Vendor-12/06/2024 | Ready for Review-This isn't provided on the full doc loans. - Seller-12/13/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-Self Employment Business Narrative N/A on Full Doc - Due Diligence Vendor-12/16/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2945385 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-12 13:41 | 2024-12-12 13:58 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 219 and the Final Closing disclosure on page 120 reflects escrows. Rate lock date was entered correctly – see page 228. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page See Disc Finding page 74 and copy of the appraisal was given to the borrower – see page 166. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 <br> Open-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (10.24%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (7.9%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.4%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/12/2024 <br> Open-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (10.248%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (7.9%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.4%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/12/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 219 and the Final Closing disclosure on page 120 reflects escrows. Rate lock date was entered correctly – see page 228. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page See Disc Finding page 74 and copy of the appraisal was given to the borrower – see page 166. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2989885 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-12 13:41 | 2024-12-12 13:58 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 219 and the Final Closing disclosure on page 120 reflects escrows. Rate lock date was entered correctly – see page 228. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page See Disc Finding page 74 and copy of the appraisal was given to the borrower – see page 166. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 <br>Open-The loan's (10.24%) APR equals or exceeds the Federal HPML threshold of (7.9%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/12/2024 <br>Open-The loan's (10.248%) APR equals or exceeds the Federal HPML threshold of (7.9%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/12/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 219 and the Final Closing disclosure on page 120 reflects escrows. Rate lock date was entered correctly – see page 228. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page See Disc Finding page 74 and copy of the appraisal was given to the borrower – see page 166. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2989890 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-12 13:41 | 2024-12-12 13:52 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | Resolved-Updated HOI Impounds on Final CD - Due Diligence Vendor-12/12/2024 <br>Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) - Due Diligence Vendor-12/12/2024 |  | Resolved-Updated HOI Impounds on Final CD - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2989886 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-09 13:52 | 2024-12-12 13:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/12/2024 <br>Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/12/2024 <br>Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2959127 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-12 13:41 | 2024-12-12 13:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Updated Recording Fee on Final CD - Due Diligence Vendor-12/12/2024 <br>Open-The total amount of the 10% category fees on the last Closing Disclosure ($120.00) has increased by more than 10% over the current baseline value of ($0.00). The total amount of fees in the 10% category cannot exceed ($0.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Assignment). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). . - Due Diligence Vendor-12/12/2024 |  | Resolved-Updated Recording Fee on Final CD - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2989887 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-12 13:41 | 2024-12-12 13:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Updated Recording Fee on Final CD - Due Diligence Vendor-12/12/2024 <br>Open-The total amount of the 10% category fees ($120.00) has increased by more than 10% over the current baseline value of ($0.00). The total amount of fees in the 10% category cannot exceed ($0.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Assignment). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-12/12/2024 |  | Resolved-Updated Recording Fee on Final CD - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2989888 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-12 13:41 | 2024-12-12 13:44 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Updated Recording Fee on Final CD - Due Diligence Vendor-12/12/2024 <br> Open-The disclosed finance charge ($XXXX) is ($120.00) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-12/12/2024 |  | Resolved-Updated Recording Fee on Final CD - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2989889 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-06 04:22 | 2024-12-12 13:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate received - Due Diligence Vendor-12/12/2024 <br>Open-Provide Initial Loan Estimate - Due Diligence Vendor-12/06/2024 |  | Resolved-Initial Loan Estimate received - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2945392 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-06 02:47 | 2024-12-12 13:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved- Initial 1003 received - Due Diligence Vendor-12/12/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/12/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/06/2024 |  | Resolved- Initial 1003 received - Due Diligence Vendor-12/12/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2945262 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-06 04:19 | 2024-12-12 13:10 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Received - Due Diligence Vendor-12/12/2024 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/06/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2945383 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-09 12:48 | 2024-12-12 13:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC Received - Due Diligence Vendor-12/12/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/12/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/09/2024 |  | Resolved-HOC Received - Due Diligence Vendor-12/12/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2958708 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-06 04:18 | 2024-12-12 13:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved- Home Loan Toolkit received - Due Diligence Vendor-12/12/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/12/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/06/2024 |  | Resolved- Home Loan Toolkit received - Due Diligence Vendor-12/12/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/12/2024<br>|  |  |  | MD | Primary Residence | Purchase | NA | 2945382 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-06 04:19 | 2024-12-12 13:03 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- Intent to Proceed Disclosure received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved- Intent to Proceed Disclosure received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2945384 | N/A | N/A |
| XXXX | xxxxx0057 |  |  | Closed | 2024-12-09 13:18 | 2024-12-12 13:01 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 2958848 | N/A | N/A |
| XXXX | xxxxx0931 |  |  | Closed | 2025-04-16 16:34 | 2025-04-16 16:48 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _359___ and the Final Closing disclosure on Pg#'s _140___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Finding____ An interior and exterior appraisal was completed for this property – see pg _80___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_449__ , and copy of the appraisal was given to the borrower – see Pg#'s __findings___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/16/2025 <br>Open-The loan's (8.455%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/16/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _359___ and the Final Closing disclosure on Pg#'s _140___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Finding____ An interior and exterior appraisal was completed for this property – see pg _80___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_449__ , and copy of the appraisal was given to the borrower – see Pg#'s __findings___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/16/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3880037 | N/A | N/A |
| XXXX | xxxxx0931 |  |  | Closed | 2024-12-06 15:41 | 2024-12-10 20:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided, Resolved. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-Evidence of Rate Lock Missing Please provide rate lock confirmation. Currently not in file. - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Evidence of Rate Lock Provided, Resolved. - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 2948806 | N/A | N/A |
| XXXX | xxxxx1463 |  |  | Closed | 2024-12-16 19:03 | 2024-12-27 20:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/27/2024 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/27/2024 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3015242 | N/A | N/A |
| XXXX | xxxxx1463 |  |  | Closed | 2024-12-23 11:42 | 2024-12-27 20:09 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.994%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 428 and the Final Closing disclosure on page 255 reflects escrows. Rate lock date was entered correctly- See Findings. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 564 and copy of the appraisal was given to the borrower – See Findings The loan meets HPML guidelines. - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-The loan's (10.994%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 428 and the Final Closing disclosure on page 255 reflects escrows. Rate lock date was entered correctly – Missing. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 564 and copy of the appraisal was given to the borrower – Missing The loan does not meet HPML guidelines. Provide Confirmation of Rate Lock and evidence of delivery of the apprisal to the borrower - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-The loan's (10.994%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 428 and the Final Closing disclosure on page 255 reflects escrows. Rate lock date was entered correctly- See Findings. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 564 and copy of the appraisal was given to the borrower – See Findings The loan meets HPML guidelines. - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3064898 | N/A | N/A |
| XXXX | xxxxx1463 |  |  | Closed | 2024-12-16 19:26 | 2024-12-23 11:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated 11/26/2024 and Disclosure Tracking Summary received - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. - Seller-12/18/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CDm any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/18/2024<br>| Resolved-Initial CD dated 11/26/2024 and Disclosure Tracking Summary received - Due Diligence Vendor-12/23/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3015617 | N/A | N/A |
| XXXX | xxxxx1463 |  |  | Closed | 2024-12-16 18:52 | 2024-12-20 18:48 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. - Seller-12/18/2024 <br>Open-E-Sign Consent Form - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/18/2024<br>| Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/20/2024<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3015065 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-30 13:14 | 2024-12-30 13:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Updated TRID page - Due Diligence Vendor-12/30/2024 <br>Resolved- - Due Diligence Vendor-12/30/2024 <br>Open-The total amount of the 10% category fees ($184.00) has increased by more than 10% over the current baseline value of ($84.00). The total amount of fees in the 10% category cannot exceed ($92.40). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Reconveyance Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-12/30/2024 |  | Resolved-Updated TRID page - Due Diligence Vendor-12/30/2024 <br>Resolved- - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3099995 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-30 13:14 | 2024-12-30 13:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Updated TRID page - Due Diligence Vendor-12/30/2024 <br>Resolved- - Due Diligence Vendor-12/30/2024 <br>Open-The total amount of the 10% category fees on the last Closing Disclosure ($184.00) has increased by more than 10% over the current baseline value of ($84.00). The total amount of fees in the 10% category cannot exceed ($92.40). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Reconveyance Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-12/30/2024 |  | Resolved-Updated TRID page - Due Diligence Vendor-12/30/2024 <br>Resolved- - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3099994 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-17 10:47 | 2024-12-30 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/30/2024 <br>Resolved-WVOE and tax returns utilized. - Due Diligence Vendor-12/30/2024 <br>Ready for Review-WVOE and tax returns utilized. - Seller-12/26/2024 <br>Open-Borrower 1 Paystubs Missing Provide Paystubs - Due Diligence Vendor-12/17/2024 | Ready for Review-WVOE and tax returns utilized. - Seller-12/26/2024<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/30/2024 <br>Resolved-WVOE and tax returns utilized. - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3019796 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-17 10:47 | 2024-12-30 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-12/30/2024 <br>Resolved-WVOE and tax returns utilized. - Due Diligence Vendor-12/30/2024 <br>Ready for Review-WVOE and tax returns utilized. - Seller-12/26/2024 <br>Open-Borrower 1 W2/1099 Missing Provide W2 - Due Diligence Vendor-12/17/2024 | Ready for Review-WVOE and tax returns utilized. - Seller-12/26/2024<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-12/30/2024 <br>Resolved-WVOE and tax returns utilized. - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3019797 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-30 13:14 | 2024-12-30 13:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 234 and the Final Closing disclosure on page 118 reflects escrows. Rate lock date was entered correctly – see page 256. An interior and exterior appraisal was completed for this property – see page 13, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 64 and copy of the appraisal was given to the borrower – see page 148. The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024 <br>Open-The loan's (9.3%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/30/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 234 and the Final Closing disclosure on page 118 reflects escrows. Rate lock date was entered correctly – see page 256. An interior and exterior appraisal was completed for this property – see page 13, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 64 and copy of the appraisal was given to the borrower – see page 148. The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3099996 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-17 14:58 | 2024-12-30 12:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-12/30/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-12/17/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3021411 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-18 14:56 | 2024-12-30 12:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Signed Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-TRID: Missing Closing Disclosure Provide Signed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved- Signed Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3031460 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-18 14:58 | 2024-12-30 12:44 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Received - Due Diligence Vendor-12/30/2024 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/18/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3031486 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-17 10:02 | 2024-12-30 12:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-12/30/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/30/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/17/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-12/30/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/30/2024<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3019692 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-18 14:57 | 2024-12-30 12:39 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed received - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Intent to Proceed received - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3031478 | N/A | N/A |
| XXXX | xxxxx1370 |  |  | Closed | 2024-12-18 14:56 | 2024-12-30 12:37 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3031463 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 09:31 | 2025-01-04 23:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided revised LE and relevant COC. Finding resolved. - Due Diligence Vendor-01/04/2025 <br> Ready for Review-Document Uploaded. - Seller-01/02/2025 <br> Counter-Document Uploaded. Unable to open pdf. Finding countered. - Due Diligence Vendor-12/30/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Counter-Please provide Revised LE issued on XXXX as confirmed via disclosure tracking that the Revised LE was sent. Finding countered. - Due Diligence Vendor-12/23/2024 <br> Open-TRID: Initial Loan Estimate is missing from file. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Lender provided revised LE and relevant COC. Finding resolved. - Due Diligence Vendor-01/04/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3009410 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 09:31 | 2024-12-23 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/18/2024 <br>Resolved-Resolved as requested Lock Confirmation Provided.<br> - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/17/2024 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/17/2024<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/18/2024 <br>Resolved-Resolved as requested Lock Confirmation Provided.<br> - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3009408 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 09:32 | 2024-12-23 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/16/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/18/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3009413 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 09:33 | 2024-12-23 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-12/16/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/18/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3009418 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 09:33 | 2024-12-23 19:46 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-12/23/2024 <br>Open-Affiliated Business Arrangement Disclosure Statement is Missing - Due Diligence Vendor-12/16/2024 |  | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-12/23/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3009416 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-17 04:22 | 2024-12-23 19:46 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-12/23/2024 <br>Open-Please provide written service provider list relevant to initial LE and application date. - Due Diligence Vendor-12/17/2024 |  | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-12/23/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3018876 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 07:38 | 2024-12-23 19:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/23/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/23/2024 <br>Open-The Initial 1003 is Missing from file. - Due Diligence Vendor-12/16/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/23/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/23/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3009195 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-17 04:22 | 2024-12-23 19:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided Initial CD and disclosure tracking. Finding resolved. - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. - Seller-12/17/2024 <br>Open-TRID: Missing Closing Disclosure Please provide Initial CD, currently missing from file. - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-12/17/2024<br>| Resolved-Lender provided Initial CD and disclosure tracking. Finding resolved. - Due Diligence Vendor-12/23/2024<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3018875 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 08:08 | 2024-12-20 19:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. - Seller-12/17/2024 <br>Open-Borrower 1 Gap Credit Report is Missing from file. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/17/2024<br>| Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-12/20/2024<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3009259 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2024-12-16 09:33 | 2024-12-20 18:50 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. - Seller-12/17/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/17/2024<br>| Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/20/2024<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3009417 | N/A | N/A |
| XXXX | xxxxx0060 |  |  | Closed | 2025-01-04 23:25 | 2025-01-04 23:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.754%) APR equals or exceeds the Federal HPML threshold of (7.9%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 248 and the Final Closing disclosure on Pg. 175 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 37, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 64 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/04/2025 |  | Resolved-The loan's (8.754%) APR equals or exceeds the Federal HPML threshold of (7.9%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 248 and the Final Closing disclosure on Pg. 175 reflects escrows. Rate lock date was entered correctly – see Pg. in finding. An interior and exterior appraisal was completed for this property – see Pg. 37, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 64 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/04/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3139538 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-30 14:08 | 2024-12-30 14:18 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 593and the Final Closing disclosure on page 211 reflects escrows. Rate lock date was entered correctly – see page 634. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 82 and copy of the appraisal was given to the borrower – see page 317 The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024 <br>Open-The loan's (10.332%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/30/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 593and the Final Closing disclosure on page 211 reflects escrows. Rate lock date was entered correctly – see page 634. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 82 and copy of the appraisal was given to the borrower – see page 317 The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3100404 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-30 14:08 | 2024-12-30 14:18 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 593and the Final Closing disclosure on page 211 reflects escrows. Rate lock date was entered correctly – see page 634. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 82 and copy of the appraisal was given to the borrower – see page 317 The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024 <br>Open-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.332%) equals or exceeds the XXXX HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/30/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 593and the Final Closing disclosure on page 211 reflects escrows. Rate lock date was entered correctly – see page 634. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 82 and copy of the appraisal was given to the borrower – see page 317 The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3100402 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-30 14:08 | 2024-12-30 14:11 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-12/30/2024 <br>Open-There are ($1,300.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-12/30/2024 |  | Resolved- - Due Diligence Vendor-12/30/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3100403 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-13 10:16 | 2024-12-30 14:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE and Disclosure Tracking Summary received - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-TRID: Missing Closing Disclosure Provide Signed Initial Closing Disclosure and Disclosure Tracking Summary - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Revised LE and Disclosure Tracking Summary received - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 2999157 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-13 10:14 | 2024-12-30 13:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/30/2024 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/30/2024 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide Home Loan Toolkit - Due Diligence Vendor-12/13/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/30/2024 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/30/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 2999145 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-16 18:41 | 2024-12-30 13:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/30/2024 <br>Resolved-HOC received - Due Diligence Vendor-12/30/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/16/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/30/2024 <br>Resolved-HOC received - Due Diligence Vendor-12/30/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3014903 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-13 10:17 | 2024-12-30 13:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate received - Due Diligence Vendor-12/30/2024 <br>Open-Provide Initial Loan Estimate - Due Diligence Vendor-12/13/2024 |  | Resolved-Initial Loan Estimate received - Due Diligence Vendor-12/30/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 2999158 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-16 18:43 | 2024-12-30 13:51 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved- Initial 1003 with L/O Signature received - Due Diligence Vendor-12/30/2024 <br>Open-Provide Initial 1003 with L/O Signature - Due Diligence Vendor-12/16/2024 |  | Resolved- Initial 1003 with L/O Signature received - Due Diligence Vendor-12/30/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3014939 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-13 10:14 | 2024-12-30 13:48 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 2999148 | N/A | N/A |
| XXXX | xxxxx1382 |  |  | Closed | 2024-12-16 17:47 | 2024-12-30 13:48 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-E-Sign Consent Form - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3014053 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-21 22:40 | 2025-02-03 20:17 | Waived | 2 - Non-Material C B | Compliance | Broker:LimitFees | Tennessee - Max Broker Fees (RLBSA) | Waived-Per Counsel, appropriate to waive as a B. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. The broker fee is paid to the broker on the loan and not the lender. This condition should be waived. - Seller-01/30/2025 <br> Open-State specific finding, please confirm. - Due Diligence Vendor-12/21/2024 <br> Open-The total of all fees paid by the borrower to the broker ($4,715.00) exceeds 2% of the loan amount ($4,020.00). The XXXX Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (XXXX. Code Ann. 47-14-113(c); TN ADC 0180-17-.07(2)) . - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. The broker fee is paid to the broker on the loan and not the lender. This condition should be waived. - Seller-01/30/2025<br>| Waived-Per Counsel, appropriate to waive as a B. - Due Diligence Vendor-01/31/2025<br>| XXXX |  | Per Counsel, appropriate to waive as a B. | TN | Primary Residence | Purchase | NA | 3062265 | Originator Pre-Close | No |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-21 22:40 | 2025-01-15 00:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC Provided, Mavent re-run, resolved. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. - Seller-01/10/2025 <br>Counter-Document Uploaded. Unable to open pdf. Finding countered. - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-COC not present in file for Transfer taxes increase at initial CD. - Due Diligence Vendor-12/21/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. - Seller-01/10/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-COC Provided, Mavent re-run, resolved. - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3062264 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-13 04:56 | 2024-12-21 22:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided fully executed initial disclosure package including Initial LE. Finding resolved. - Due Diligence Vendor-12/21/2024 <br>Open-Initial Loan Estimate is missing in file. - Due Diligence Vendor-12/13/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Initial LE. Finding resolved. - Due Diligence Vendor-12/21/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2998664 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-13 17:03 | 2024-12-21 22:37 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including Written Settlement Services Provider List. Finding resolved. - Due Diligence Vendor-12/21/2024 <br>Open-Missing Written Settlement Services Provider List relevant to Initial LE and Application date. - Due Diligence Vendor-12/13/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Written Settlement Services Provider List. Finding resolved. - Due Diligence Vendor-12/21/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 3002552 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-13 04:55 | 2024-12-21 22:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/21/2024 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/13/2024 |  | Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/21/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2998662 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-13 04:16 | 2024-12-21 22:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/21/2024 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Consumer Caution and Homeowner Counseling Notice is Missing - Due Diligence Vendor-12/13/2024 |  | Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/21/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2998594 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-12 13:33 | 2024-12-21 22:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/21/2024 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-12/12/2024 |  | Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/21/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 2989843 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-13 04:55 | 2024-12-18 23:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 2998663 | N/A | N/A |
| XXXX | xxxxx0098 |  |  | Closed | 2024-12-21 22:40 | 2025-01-15 00:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-01/15/2025 <br>Resolved-resolved - Due Diligence Vendor-01/15/2025 <br>Resolved-resolved - Due Diligence Vendor-01/15/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 275 and the Final Closing disclosure on Pg. 185 reflects escrows. Rate lock date was entered correctly – see Pg. 295. An interior and exterior appraisal was completed for this property – see Pg. 57, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 70 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/21/2024 <br>Resolved-The loan's (9.226%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 275 and the Final Closing disclosure on Pg. 185 reflects escrows. Rate lock date was entered correctly – see Pg. 295. An interior and exterior appraisal was completed for this property – see Pg. 57, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 70 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/21/2024 |  | Resolved-resolved - Due Diligence Vendor-01/15/2025 <br>Resolved-resolved - Due Diligence Vendor-01/15/2025 <br>Resolved-resolved - Due Diligence Vendor-01/15/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 275 and the Final Closing disclosure on Pg. 185 reflects escrows. Rate lock date was entered correctly – see Pg. 295. An interior and exterior appraisal was completed for this property – see Pg. 57, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 70 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/21/2024 <br>Resolved-The loan's (9.226%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 275 and the Final Closing disclosure on Pg. 185 reflects escrows. Rate lock date was entered correctly – see Pg. 295. An interior and exterior appraisal was completed for this property – see Pg. 57, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 70 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-12/21/2024<br>|  |  |  | TN | Primary Residence | Purchase | NA | 3062266 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-23 16:00 | 2024-12-30 15:52 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _249___ and the Final Closing disclosure on Pg#'s _127___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __258___ An interior and exterior appraisal was completed for this property – see pg _53___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s ___41__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 <br>Ready for Review-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _249___ and the Final Closing disclosure on Pg#'s _127___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __258___ An interior and exterior appraisal was completed for this property – see pg _53___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s ___41__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Appraisal disclosure that borrower received a copy of the appraisal report is missing in file<br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _249___ and the Final Closing disclosure on Pg#'s _127___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __258___ An interior and exterior appraisal was completed for this property – see pg _53___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___ , and copy of the appraisal was given to the borrower – see Pg#'s _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/23/2024 <br>Open-The loan's (9.021%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _249___ and the Final Closing disclosure on Pg#'s _127___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __258___ An interior and exterior appraisal was completed for this property – see pg _53___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s ___41__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3067382 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-23 16:00 | 2024-12-23 16:01 | Waived | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-Per external counsel appropriate to waive as a B grade - Due Diligence Vendor-12/23/2024 <br>Open-The loan's (9.021%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.83%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/23/2024 |  | Waived-Per external counsel appropriate to waive as a B grade - Due Diligence Vendor-12/23/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3067383 | Investor Post-Close | No |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 17:22 | 2024-12-23 16:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. - Seller-12/20/2024 <br>Counter-Le 11/19 attachment will not open please re-upload - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-TRID: Missing Closing Disclosure Initial Cd is not signed disclosure tracking is missing in file - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/20/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024<br>|  | XXXX |  |  | NC | Primary Residence | Purchase | NA | 3002741 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 16:23 | 2024-12-23 15:55 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. - Seller-12/20/2024 <br>Open-Econsent form is missing - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/20/2024<br>|  | XXXX |  |  | NC | Primary Residence | Purchase | NA | 3002110 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 06:06 | 2024-12-18 21:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved- - Due Diligence Vendor-12/18/2024 <br>Open-Initial Loan Estimate missing from file. - Due Diligence Vendor-12/13/2024 |  |  |  |  |  | NC | Primary Residence | Purchase | NA | 2998767 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 06:08 | 2024-12-18 21:27 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved- - Due Diligence Vendor-12/18/2024 <br>Open-Affiliated RESPA Business Disclosure missing from file.<br> - Due Diligence Vendor-12/13/2024 |  |  |  |  |  | NC | Primary Residence | Purchase | NA | 2998771 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 06:07 | 2024-12-18 21:27 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing from file. - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-ITP provided - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 2998769 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 16:39 | 2024-12-18 21:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/18/2024 <br>Open-The Initial 1003 is Missing 1003 in file is not signed by borrower or loan officer - Due Diligence Vendor-12/13/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/18/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3002251 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 06:25 | 2024-12-18 21:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Open-Homeownership Counseling Disclosure Is Missing from file. - Due Diligence Vendor-12/13/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/18/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2998798 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 06:25 | 2024-12-18 21:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Open-Home Loan toolkit missing from file. - Due Diligence Vendor-12/13/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/18/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 2998799 | N/A | N/A |
| XXXX | xxxxx1433 |  |  | Closed | 2024-12-13 16:45 | 2024-12-18 21:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved- - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-P&L Verification form prior to closing is missing - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>|  | XXXX |  |  | NC | Primary Residence | Purchase | NA | 3002305 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 07:58 | 2025-01-06 12:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/06/2025 <br> Ready for Review-Document Uploaded. - Seller-01/02/2025 <br> Counter-Received Initial CD and Disclosure Tracking Summary. Unable to open XXXX CC.PDF. Please reload - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-TRID: Missing Closing Disclosure Provide the executed/signed Initial CD and the Disclosure Tracking Summary - Due Diligence Vendor-12/08/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2956637 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-12 20:24 | 2024-12-27 12:12 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2995954 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 08:56 | 2024-12-27 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-The 1008 document is missing from the loan file. 1008 is present. Per Appraisal, Subject Property does not have the HOA amount; however. the 1008 reflects an HOA amount of $341.51. Provide updated 1008 that does not reflect HOA amount and has updated DTI & HTI values. Also, Final 1003 reflects Borrower 1 - Income #3 iao $XXXX; however, XXXX LLC- income calculated from from 2023 1065 page 544 and K1 page 540, Annual income is $XXXX. See Cash Analysis on pages 374 and 375. Provide update Final 1003 and 1008 with updated Income #3 iao $XXXX. - Due Diligence Vendor-12/08/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2956677 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-12 21:03 | 2024-12-27 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-The Final 1003 is Incomplete Final 1003 reflects Borrower 1 - Income #3 iao $XXXX; however, XXXX- income calculated from from 2023 1065 page 544 and K1 page 540, Annual income is $XXXX. See Cash Analysis on pages 374 and 375. Provide update Final 1003 and 1008 - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2996500 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 08:00 | 2024-12-27 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-12/08/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2956641 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-12 21:33 | 2024-12-23 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/23/2024 <br> Resolved-The bwr (XXXX) owns this property via Private Lender which is zoned commercial but notes living space. Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. - Due Diligence Vendor-12/23/2024 <br> Ready for Review-Document Uploaded. The bwr owns this property which is zoned commercial but notes living space.<br> Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. <br> - Seller-12/19/2024 <br> Open-Housing History Does Not Meet Guideline Requirements Per UW Notes page 2 reflects Borrower currently on rent for 5 years 3 months and Final 1003 reflects that the borrower owns current residence. The Credit Report page 239 does not reflect a mortgage and Fraud Reports page 493 reflects that the primary residence is owned free and clear. Provide clarification, VOR or any other documentation to support primary residence - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. The bwr owns this property which is zoned commercial but notes living space.<br> Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. <br> - Seller-12/19/2024<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/23/2024 <br> Resolved-The bwr (XXXX) owns this property via Private Lender which is zoned commercial but notes living space. Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. - Due Diligence Vendor-12/23/2024 | XXXX |  |  | OR | Primary Residence | Purchase | NA | 2996841 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 08:02 | 2025-01-06 12:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg# Findings. An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#76. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2025 <br>Resolved-The loan's (9.125%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg#158 An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#448 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-12/08/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg# Findings. An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#76. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2025 <br>Resolved-The loan's (9.125%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg#158 An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#448 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-12/08/2024<br>|  |  |  | OR | Primary Residence | Purchase | NA | 2956644 | N/A | N/A |
| XXXX | xxxxx0266 |  |  | Closed | 2024-12-13 07:54 | 2024-12-18 23:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Resolved-ID Provided, Resolved. - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. B1- provided Identification document Expired in file, Provide Updated ID - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Resolved-ID Provided, Resolved. - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 2998950 | N/A | N/A |
| XXXX | xxxxx0266 |  |  | Closed | 2024-12-13 07:45 | 2024-12-13 07:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.623%) equals or exceeds the XXXX HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%).(XXXX. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.623%) equals or exceeds the XXXX HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 2998930 | N/A | N/A |
| XXXX | xxxxx0266 |  |  | Closed | 2024-12-13 07:45 | 2024-12-13 07:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.623%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024 |  | Resolved-The loan's (8.623%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 2998931 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2025-01-06 12:54 | 2025-01-06 13:05 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Updated Loan Product - Due Diligence Vendor-01/06/2025 <br> Open-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-01/06/2025 |  | Resolved-Updated Loan Product - Due Diligence Vendor-01/06/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3141781 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2025-01-06 12:54 | 2025-01-06 13:05 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-Updated Loan Product and disclosure date - Due Diligence Vendor-01/06/2025 <br> Open-The last Closing Disclosure Received Date (XXXX) is not at least 3 business days before the consummation date of (XXXX). The (Fixed Rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) . - Due Diligence Vendor-01/06/2025 |  | Resolved-Updated Loan Product and disclosure date - Due Diligence Vendor-01/06/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3141782 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2025-01-06 12:54 | 2025-01-06 13:05 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Updated Final CD - Due Diligence Vendor-01/06/2025 <br> Open-The disclosed finance charge ($XXXX) is ($681.00) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-01/06/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-01/06/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3141783 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-19 12:13 | 2025-01-06 12:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised LE dated XXXX received - Due Diligence Vendor-01/06/2025 <br> Ready for Review-Document Uploaded. - Seller-01/02/2025 <br> Counter-Unable to open attachment, Reload Revised LE dated XXXX - Due Diligence Vendor-12/30/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-Provide the Revised LE dated XXXX - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Revised LE dated XXXX received - Due Diligence Vendor-01/06/2025 | XXXX |  |  | GA | Primary Residence | Purchase | NA | 3041429 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-11 06:45 | 2024-12-19 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial CD dated XXXX, Revised CD dated XXXX and Disclosure Tracking Summary - Due Diligence Vendor-12/19/2024 <br> Ready for Review-Document Uploaded. - Seller-12/17/2024 <br> Counter-Unable to open the CD, XXXX. Please reload - Due Diligence Vendor-12/17/2024 <br> Ready for Review-Document Uploaded. - Seller-12/13/2024 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/17/2024 <br>Ready for Review-Document Uploaded. - Seller-12/13/2024<br>| Resolved-Received Initial CD dated XXXX and Disclosure Tracking Summary - Due Diligence Vendor-12/19/2024 | XXXX |  |  | GA | Primary Residence | Purchase | NA | 2978318 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-11 06:46 | 2024-12-16 15:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-12/16/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-12/11/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-12/16/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 2978321 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-12 23:41 | 2024-12-16 14:57 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-XXXX Received - Due Diligence Vendor-12/16/2024 <br> Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/12/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/16/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 2998216 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-11 06:53 | 2024-12-16 14:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/16/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/11/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/16/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 2978333 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-11 06:52 | 2024-12-16 14:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC Received - Due Diligence Vendor-12/16/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/11/2024 |  | Resolved-HOC Received - Due Diligence Vendor-12/16/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 2978332 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-11 03:48 | 2024-12-16 14:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial LE Received - Due Diligence Vendor-12/16/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/11/2024 |  | Resolved-Initial LE Received - Due Diligence Vendor-12/16/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024<br>|  |  |  | GA | Primary Residence | Purchase | NA | 2977940 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-11 06:52 | 2024-12-16 14:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-XXXX received - Due Diligence Vendor-12/16/2024 <br> Ready for Review-Document Uploaded. - Seller-12/13/2024 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/13/2024<br>| Resolved-ITP received - Due Diligence Vendor-12/16/2024<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 2978331 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2024-12-12 23:06 | 2024-12-16 14:48 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/13/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/13/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/16/2024<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 2997940 | N/A | N/A |
| XXXX | xxxxx0336 |  |  | Closed | 2025-01-06 12:54 | 2025-01-06 13:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 188 reflects escrows. Rate lock date was entered correctly – see page 375 An interior and exterior appraisal was completed for this property – see page 104, the appraisal disclosure was provided to the borrower(s)- see page Disc Finding pg 70 and copy of the appraisal was given to the borrower – see page 412. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2025 <br> Resolved-The loan's (10.121%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/06/2025 <br> Resolved-The loan's (10.155%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/06/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 188 reflects escrows. Rate lock date was entered correctly – see page 375 An interior and exterior appraisal was completed for this property – see page 104, the appraisal disclosure was provided to the borrower(s)- see page Disc Finding pg 70 and copy of the appraisal was given to the borrower – see page 412. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/06/2025 <br> Resolved-The loan's (10.155%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/06/2025 |  |  |  | GA | Primary Residence | Purchase | NA | 3141784 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 13:00 | 2024-12-27 19:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed received - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Intent to Proceed received - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3020298 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 12:52 | 2024-12-27 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-12/27/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-12/17/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020240 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 09:52 | 2024-12-27 19:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/27/2024 <br>Resolved-Initial 1003 received - Due Diligence Vendor-12/27/2024 <br>Open-The Initial 1003 is Missing Provide fully executed Initial 1003.<br> - Due Diligence Vendor-12/17/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/27/2024 <br>Resolved-Initial 1003 received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3019676 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 13:03 | 2024-12-27 19:39 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-XXXX Received - Due Diligence Vendor-12/27/2024 <br> Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/17/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020314 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 12:57 | 2024-12-27 19:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/27/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/17/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020264 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 13:00 | 2024-12-27 19:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved- Homeownership Counseling Disclosure received - Due Diligence Vendor-12/27/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/17/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved- Homeownership Counseling Disclosure received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020296 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-19 12:30 | 2024-12-27 19:35 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form Received - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-E-Sign Consent Form Received - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3041516 | N/A | N/A |
| XXXX | xxxxx0300 |  |  | Closed | 2024-12-16 06:13 | 2025-01-08 16:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Lender provided updated HOI and invoice with corrected effective date. Finding resolved. - Due Diligence Vendor-01/08/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. - Seller-01/07/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Closing date is XXXX however Hazard Insurance Effective Date of XXXX. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Lender provided updated HOI and invoice with corrected effective date. Finding resolved. - Due Diligence Vendor-01/08/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/08/2025 | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3009043 | N/A | N/A |
| XXXX | xxxxx0300 |  |  | Closed | 2024-12-16 08:23 | 2024-12-17 03:56 | Waived | 2 - Non-Material B | Credit | Credit | Total Reserves Requirement not met | Waived-Total Reserves Requirement not met Approved Exception in file, page#303, Min Subject Months Reserves is XXXX, as per guidelines required 6. Finding waived. - Due Diligence Vendor-12/16/2024 |  | Waived-Total Reserves Requirement not met Approved Exception in file, page#303, Min Subject Months Reserves is XXXX, as per guidelines required 6. Finding waived. - Due Diligence Vendor-12/16/2024 |  |  | 1.LTV is 75%. Maximum allowed per guidelines is 75%.<br> 2.Credit Score is 733. Minimum required per guidelines is 720.<br> 3.Residual Income is $2431.33. Minimum Residual Income required per guidelines is $2500. <br> 4.Borrower Contribution >5% above min is 100, as per guidelines 10.<br> 5.Consumer Payment History is 0x30x58 mo, as per guidelines N/A | NJ | Primary Residence | Purchase | NA | 3009306 | Originator Pre-Close | Yes |
| XXXX | xxxxx0300 |  |  | Closed | 2024-12-16 07:35 | 2024-12-16 07:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 268 and the Final Closing disclosure on Pg#'s 135 reflects escrows. Rate lock date was entered correctly – see Pg#'s 325, 117 An interior and exterior appraisal was completed for this property – see pg 47, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 38 and copy of the appraisal was given to the borrower – see Pg#'s 38 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 268 and the Final Closing disclosure on Pg#'s 135 reflects escrows. Rate lock date was entered correctly – see Pg#'s 325, 117 An interior and exterior appraisal was completed for this property – see pg 47, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 38 and copy of the appraisal was given to the borrower – see Pg#'s 38 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 |  |  |  | NJ | Primary Residence | Purchase | NA | 3009188 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 10:49 | 2025-01-23 12:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, initial CD, Revised CD, related COC's and Disclosure Tracking Summary received - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/22/2025 <br>Open-TRID: Missing Closing Disclosure Provide initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/22/2025<br>| Resolved-Revised LE, initial CD, Revised CD, related COC's and Disclosure Tracking Summary received - Due Diligence Vendor-01/23/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3207943 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 10:48 | 2025-01-23 12:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE resolved - Due Diligence Vendor-01/23/2025 <br>Open-Provide Initial LE - Due Diligence Vendor-01/15/2025 |  | Resolved-Initial LE resolved - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3207941 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 08:35 | 2025-01-23 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/23/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003 for B1 and B2 - Due Diligence Vendor-01/15/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3207764 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 11:13 | 2025-01-23 12:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/23/2025 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/23/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-01/15/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/23/2025 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3207996 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 11:14 | 2025-01-23 12:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/23/2025 <br>Resolved-HOC received - Due Diligence Vendor-01/23/2025 <br>Open-Provide Homeowners Counselling Disclosure - Due Diligence Vendor-01/15/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/23/2025 <br>Resolved-HOC received - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3208003 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 10:50 | 2025-01-23 11:56 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Affiliated Business Arrangement Disclosure received - Due Diligence Vendor-01/23/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-01/15/2025 |  | Resolved-Affiliated Business Arrangement Disclosure received - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3207950 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 10:47 | 2025-01-23 11:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Written Providers Service List received - Due Diligence Vendor-01/23/2025 <br>Open-Provide Written Providers Service List - Due Diligence Vendor-01/15/2025 |  | Resolved-Written Providers Service List received - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3207939 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-15 10:46 | 2025-01-23 11:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/22/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/22/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/23/2025<br>| XXXX |  | Intent to Proceed Disclosure received | OH | Primary Residence | Purchase | NA | 3207933 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-22 19:30 | 2025-01-23 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-WVOE and tax returns used instead. - Seller-01/22/2025 <br>Open-Borrower 2 W2/1099 Missing Per Matrix, ITIN Borrowers:✓ YTD Paystubs, ✓ 1 Year W-2, ✓ Full Written VOE,,✓ 1 Year Personal Tax Returns, ✓ 1 Year IRS 1040 Transcripts<br> ✓ Verbal VOE within 10 business days of closing. Provide Y1 Year W-2 - Due Diligence Vendor-01/22/2025 | Ready for Review-WVOE and tax returns used instead. - Seller-01/22/2025<br>| Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3256799 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-22 19:30 | 2025-01-23 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/22/2025 <br>Open-Borrower 2 Paystubs Missing Per Matrix, ITIN Borrowers:✓ YTD Paystubs, ✓ 1 Year W-2, ✓ Full Written VOE,,✓ 1 Year Personal Tax Returns, ✓ 1 Year IRS 1040 Transcripts<br> ✓ Verbal VOE within 10 business days of closing. Provide YTD Paystubs - Due Diligence Vendor-01/22/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/22/2025<br>| Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3256798 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-22 19:30 | 2025-01-23 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/22/2025 <br>Open-Borrower 1 Paystubs Missing Per Matrix, ITIN Borrowers:✓ YTD Paystubs, ✓ 1 Year W-2, ✓ Full Written VOE,,✓ 1 Year Personal Tax Returns, ✓ 1 Year IRS 1040 Transcripts<br> ✓ Verbal VOE within 10 business days of closing. Provide YTD Paystubs - Due Diligence Vendor-01/22/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/22/2025<br>| Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3256796 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-22 19:30 | 2025-01-23 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/22/2025 <br>Open-Borrower 1 W2/1099 Missing Per Matrix, ITIN Borrowers:✓ YTD Paystubs, ✓ 1 Year W-2, ✓ Full Written VOE,,✓ 1 Year Personal Tax Returns, ✓ 1 Year IRS 1040 Transcripts<br> ✓ Verbal VOE within 10 business days of closing. Provide Y1 Year W-2 - Due Diligence Vendor-01/22/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/22/2025<br>| Resolved-Per Investor, WVOE and tax returns used. - Due Diligence Vendor-01/23/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3256797 | N/A | N/A |
| XXXX | xxxxx1578 |  |  | Closed | 2025-01-23 12:36 | 2025-01-23 12:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 307 and the Final Closing disclosure on page 89 reflects escrows. Rate lock date was entered correctly – see page 321. An interior and exterior appraisal was completed for this property – see page 13, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 156 and copy of the appraisal was given to the borrower – see page 41. The loan meets HPML guidelines. - Due Diligence Vendor-01/23/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 307 and the Final Closing disclosure on page 89 reflects escrows. Rate lock date was entered correctly – see page 321. An interior and exterior appraisal was completed for this property – see page 13, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 156 and copy of the appraisal was given to the borrower – see page 41. The loan meets HPML guidelines. - Due Diligence Vendor-01/23/2025 |  |  |  | OH | Primary Residence | Purchase | NA | 3264572 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-22 14:19 | 2025-01-22 14:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 436 and the Final Closing disclosure on page 253 reflects escrows. Rate lock date was entered correctly – see page 458. An interior and exterior appraisal was completed for this property – see page 13, 75, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 77 and copy of the appraisal was given to the borrower – see page 213, 214. The loan meets HPML guidelines - Due Diligence Vendor-01/22/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/22/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 436 and the Final Closing disclosure on page 253 reflects escrows. Rate lock date was entered correctly – see page 458. An interior and exterior appraisal was completed for this property – see page 13, 75, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 77 and copy of the appraisal was given to the borrower – see page 213, 214. The loan meets HPML guidelines - Due Diligence Vendor-01/22/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3252152 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-22 14:19 | 2025-01-22 14:21 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Updated receipt date on the Initial CD - Due Diligence Vendor-01/22/2025 <br> Open-You submitted a Prior Closing Disclosure Received Date (XXXX) earlier than the Prior Closing Disclosure Date Issued (XXXX). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) . - Due Diligence Vendor-01/22/2025 |  | Resolved-Updated receipt date on the Initial CD - Due Diligence Vendor-01/22/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3252151 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-16 15:22 | 2025-01-22 14:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/20/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3219330 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-13 10:10 | 2025-01-22 14:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-01/22/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/22/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-01/13/2025 |  | Resolved-Initial 1003 received - Due Diligence Vendor-01/22/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/22/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3189483 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-13 11:20 | 2025-01-22 13:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-01/22/2025 <br>Open-Provide Initial Loan Estimate - Due Diligence Vendor-01/13/2025 |  | Resolved-Initial LE received - Due Diligence Vendor-01/22/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3189639 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-13 11:23 | 2025-01-22 13:42 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA received - Due Diligence Vendor-01/22/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure, - Due Diligence Vendor-01/13/2025 |  | Resolved-ABA received - Due Diligence Vendor-01/22/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3189649 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-16 14:44 | 2025-01-22 13:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC received - Due Diligence Vendor-01/22/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/22/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-01/16/2025 |  | Resolved-HOC received - Due Diligence Vendor-01/22/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/22/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3218741 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-13 11:22 | 2025-01-22 13:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved- Home Loan Toolkit received - Due Diligence Vendor-01/22/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/22/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-01/13/2025 |  | Resolved- Home Loan Toolkit received - Due Diligence Vendor-01/22/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/22/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3189644 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-13 11:21 | 2025-01-22 13:37 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/20/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure. - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3189641 | N/A | N/A |
| XXXX | xxxxx2740 |  |  | Closed | 2025-01-16 15:23 | 2025-01-22 13:35 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/20/2025 <br>Open-Provide E-Sign Consent Form<br> - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3219338 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-28 18:01 | 2025-01-31 18:07 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-NMLS was verified Shows tied to XXXX. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. Shows tied to XXXXX. - Seller-01/30/2025 <br> Open-A relationship betweenK'XXXXH (XXXX9) and the company (Company XXXX) does not exist in the XXXX Consumer Access as of XXXX. However, other relationship(s) were found in the XXXXConsumer Access for this individual and may be found in the XXXXX Info section. - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Shows tied to XXXX. - Seller-01/30/2025 | Resolved-XXXX was verified Shows tied to XXXX. - Due Diligence Vendor-01/31/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3298356 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-17 17:17 | 2025-01-28 18:08 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-intent to proceed was provided - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. - Seller-01/24/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed in file. - Due Diligence Vendor-01/17/2025 | Ready for Review-Document Uploaded. - Seller-01/24/2025<br>| Resolved-intent to proceed was provided - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3231380 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-28 18:01 | 2025-01-28 18:07 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _318___ and the Final Closing disclosure on Pg#'s _175___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _335____ An interior and exterior appraisal was completed for this property – see pg _125___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _123____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/28/2025 <br> Open-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.545%) equals or exceeds the California HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/28/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _318___ and the Final Closing disclosure on Pg#'s _175___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _335____ An interior and exterior appraisal was completed for this property – see pg _125___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _123____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3298354 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-28 18:01 | 2025-01-28 18:07 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _318___ and the Final Closing disclosure on Pg#'s _175___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _335____ An interior and exterior appraisal was completed for this property – see pg _125___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _123____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/28/2025 <br>Open-The loan's (8.545%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/28/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _318___ and the Final Closing disclosure on Pg#'s _175___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _335____ An interior and exterior appraisal was completed for this property – see pg _125___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _123____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/28/2025 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3298355 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-17 17:03 | 2025-01-28 18:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received the Initial LE - Due Diligence Vendor-01/28/2025 <br>Open-Initial Loan estimate is missing in file. - Due Diligence Vendor-01/17/2025 |  | Resolved-Received the Initial LE - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3231200 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-17 17:18 | 2025-01-28 18:02 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Document provided - Due Diligence Vendor-01/28/2025 <br> Open-XXXX disclosure is missing in file. - Due Diligence Vendor-01/17/2025 |  | Resolved-Document provided - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3231386 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-17 17:15 | 2025-01-28 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/28/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Home loan toolkit is missing in file.<br> - Due Diligence Vendor-01/17/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3231346 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-17 17:17 | 2025-01-28 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/28/2025 <br>Open-Homeownership Counseling Disclosure Is Missing in file. - Due Diligence Vendor-01/17/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3231377 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-17 10:30 | 2025-01-28 17:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/28/2025 <br>Open-The Initial 1003 is Missing Originator sign is missing on Initial Application - Due Diligence Vendor-01/17/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3227736 | N/A | N/A |
| XXXX | xxxxx1623 |  |  | Closed | 2025-01-24 00:41 | 2025-01-28 17:36 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-received the E-signature document - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. - Seller-01/24/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-01/24/2025<br>| Resolved-received the E-signature document - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3272379 | N/A | N/A |
| XXXX | xxxxx2846 |  |  | Closed | 2025-01-24 06:28 | 2025-01-30 20:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _454___ and the Final Closing disclosure on Pg#'s __229__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __489___ An interior and exterior appraisal was completed for this property – see pg _71___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 567, and copy of the appraisal was given to the borrower – see Pg#'s 188 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/24/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _454___ and the Final Closing disclosure on Pg#'s __229__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __489___ An interior and exterior appraisal was completed for this property – see pg _71___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 567, and copy of the appraisal was given to the borrower – see Pg#'s 188 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/24/2025 |  |  |  | KS | Primary Residence | Purchase | NA | 3273148 | N/A | N/A |
| XXXX | xxxxx2760 |  |  | Closed | 2025-01-27 15:07 | 2025-01-29 12:48 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-correct XXXX is as follows: Estimated Market Rent Avg iao XXXX. Updated 1008, UW Notes and 1003 received - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. - Seller-01/27/2025 <br> Open-Per Appraisal, subject property is owner occupied. The loan approval and the DSCR worksheet reflect $2000 which is middle value of the market rent/ PITIA $XXXX. The calculation validating the correct XXXX is as follows: Estimated Market Rent Avg iao XXXX XXXX. Provide supporting documentation for use of the middle value of the market rent for owner occupied properties. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-correct XXXX is as follows: Estimated Market Rent Avg iao XXXX. Updated 1008, UW Notes and 1003 received - Due Diligence Vendor-01/29/2025 | XXXX |  |  | PA | Investment | Purchase | NA | 3285448 | N/A | N/A |
| XXXX | xxxxx2843 |  |  | Closed | 2025-01-27 21:38 | 2025-01-30 16:14 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-Received the E-signature document - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Received the E-signature document - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3290697 | N/A | N/A |
| XXXX | xxxxx2843 |  |  | Closed | 2025-01-22 06:05 | 2025-01-22 12:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 669 and the Final Closing disclosure on Pg# 402 reflects escrows. Rate lock date was entered correctly see Pg.'s 711 An interior and exterior appraisal was completed for this property – see pg. 47 the appraisal disclosure was provided to the borrower(s)- see Pg#'47 and copy of the appraisal was given to the borrower see Pg# 47 for the copy of the disclosure, ECOA disclosure page no #693. The loan meets HPML guidelines." <br> - Due Diligence Vendor-01/22/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 669 and the Final Closing disclosure on Pg# 402 reflects escrows. Rate lock date was entered correctly see Pg.'s 711 An interior and exterior appraisal was completed for this property – see pg. 47 the appraisal disclosure was provided to the borrower(s)- see Pg#'47 and copy of the appraisal was given to the borrower see Pg# 47 for the copy of the disclosure, ECOA disclosure page no #693. The loan meets HPML guidelines." <br> - Due Diligence Vendor-01/22/2025 |  |  |  | NV | Primary Residence | Purchase | NA | 3250473 | N/A | N/A |
| XXXX | xxxxx2879 |  |  | Closed | 2025-01-27 16:44 | 2025-01-29 17:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender provided VOR. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. VOR is missing so added additional 3 months reserves. Please provide. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Lender provided VOR. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3287066 | N/A | N/A |
| XXXX | xxxxx2879 |  |  | Closed | 2025-01-27 16:35 | 2025-01-29 17:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/29/2025 <br>Resolved-Lender provided rate lock confirmation. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-Evidence of Rate Lock Missing Please provide evidence of Rate Lock. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/29/2025 <br>Resolved-Lender provided rate lock confirmation. Finding resolved. - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3286956 | N/A | N/A |
| XXXX | xxxxx2879 |  |  | Closed | 2025-01-22 11:52 | 2025-01-29 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided disclosure tracking confirming initial cd e-receipt. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-TRID: Missing Closing Disclosure Borrower not signed to initial Cd and proof is missing send eclectically - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Lender provided disclosure tracking confirming initial cd e-receipt. Finding resolved. - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3251290 | N/A | N/A |
| XXXX | xxxxx2879 |  |  | Closed | 2025-01-22 07:39 | 2025-01-29 17:39 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Lender provided asset worksheet. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-Asset worksheet is missing in the file - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Lender provided asset worksheet. Finding resolved. - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3250732 | N/A | N/A |
| XXXX | xxxxx2879 |  |  | Closed | 2025-01-22 08:27 | 2025-01-22 08:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#416-417 and the Final Closing disclosure on Pg#166 reflects escrows. Rate lock date was entered correctly see Pg#433 An interior and exterior appraisal was completed for this property – see Page#68-107 the appraisal disclosure was provided to the borrower(s)- see Pg#504, and copy of the appraisal was given to the borrower see Pg#504 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-01/22/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#416-417 and the Final Closing disclosure on Pg#166 reflects escrows. Rate lock date was entered correctly see Pg#433 An interior and exterior appraisal was completed for this property – see Page#68-107 the appraisal disclosure was provided to the borrower(s)- see Pg#504, and copy of the appraisal was given to the borrower see Pg#504 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-01/22/2025 |  |  |  | NV | Primary Residence | Purchase | NA | 3250834 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-21 07:57 | 2025-02-24 15:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/28/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-01/21/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3242207 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-29 13:23 | 2025-02-05 19:27 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-02/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-01/29/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.001%) equals or exceeds the XXXX HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/29/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-02/05/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-01/29/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3304328 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-29 13:23 | 2025-02-05 19:27 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-02/05/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-01/29/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/29/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-02/05/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 550 and the Final Closing disclosure on page 259 reflects escrows. Rate lock date was entered correctly – see page 577. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 44, 36 and copy of the appraisal was given to the borrower – see page 128,129. The loan meets HPML guidelines. - Due Diligence Vendor-01/29/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3304329 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-29 13:23 | 2025-02-05 19:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC for Loan Discount Fee received - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Open-Provide COC for the addition of the Loan Discount Fee on the Initial CD iao XXXX (XXXX) - Due Diligence Vendor-02/03/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-02/03/2025 <br> Resolved-COC for the addition of the Inspection Fee received - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. - Seller-01/31/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the addition of the Inspection Fee on Initial CD - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025 <br>Ready for Review-Document Uploaded. - Seller-01/31/2025<br>| Resolved-COC for Loan Discount Fee received - Due Diligence Vendor-02/05/2025 <br>Resolved-COC for the addition of the Inspection Fee received - Due Diligence Vendor-02/03/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3304327 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-21 10:12 | 2025-02-03 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-02/03/2025 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-02/03/2025 <br>Ready for Review-Document Uploaded. - Seller-01/31/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide Home Loan Toolkit - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/31/2025<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-02/03/2025 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-02/03/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3242429 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-21 10:19 | 2025-02-03 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received for both borrower's - Due Diligence Vendor-01/28/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/28/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-01/21/2025 |  | Resolved-Homeownership Counseling Disclosure received for both borrower's - Due Diligence Vendor-01/28/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/28/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3242464 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-21 10:19 | 2025-01-29 13:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-01/29/2025 <br>Open-Initial LE missing in file Unable to run the compliance. - Due Diligence Vendor-01/21/2025 |  | Resolved-Initial LE received - Due Diligence Vendor-01/29/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3242463 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-27 20:13 | 2025-01-29 13:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3289761 | N/A | N/A |
| XXXX | xxxxx1613 |  |  | Closed | 2025-01-21 10:19 | 2025-01-28 14:06 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received Intent to Proceed for both Borrower's - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Received Intent to Proceed for both Borrower's - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3242465 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-21 12:18 | 2025-02-03 20:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/24/2025 <br>Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-01/21/2025 |  | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/24/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3242752 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-21 12:18 | 2025-02-03 20:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/24/2025 <br> Resolved-Lender provided ITIN letter with borrower ITIN number. Finding resolved. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. - Seller-01/23/2025 <br> Open-Borrower 1 XXXX Identification Document Missing. Please provide acceptable documentation. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/23/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/24/2025 <br>Resolved-Lender provided ITIN letter with borrower ITIN number. Finding resolved. - Due Diligence Vendor-01/24/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3242753 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-23 21:21 | 2025-02-03 20:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/24/2025 <br>Resolved-Lender provided fully executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-The Initial 1003 is Missing Please provide fully executed Initial 1003. - Due Diligence Vendor-01/23/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/24/2025 <br>Resolved-Lender provided fully executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3271189 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-24 17:27 | 2025-01-24 17:52 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-LO CompanyXXXX has been updated. LO has relationship. Finding resolved. - Due Diligence Vendor-01/24/2025 <br> Open-A relationship between XXXX (XXXX) and the company (Company XXXX) does not exist in the XXXXConsumer Access as of XXXX. However, other relationship(s) were found in the XXXX Consumer Access for this individual and may be found in the XXXX Info section. - Due Diligence Vendor-01/24/2025 |  | Resolved-LO Company NMLS ID has been updated. LO has relationship. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3277404 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-21 12:37 | 2025-01-24 17:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/24/2025 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing. - Due Diligence Vendor-01/21/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/24/2025 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3242837 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-21 12:39 | 2025-01-24 17:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/24/2025 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Homeownership Counseling Disclosure Is Missing. - Due Diligence Vendor-01/21/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/24/2025 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3242853 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-21 12:38 | 2025-01-24 17:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided fully executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Missing Initial Loan Estimate. - Due Diligence Vendor-01/21/2025 |  | Resolved-Lender provided fully executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3242848 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-23 20:42 | 2025-01-24 17:15 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Written Settlement Services Provider List relevant to Initial LE and application date is missing from file. - Due Diligence Vendor-01/23/2025 |  | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3270822 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-21 12:39 | 2025-01-24 17:13 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Ready for Review-Document Uploaded. - Seller-01/23/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/23/2025<br>| Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/24/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3242849 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-24 17:27 | 2025-01-24 17:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 <br> Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 <br> Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 3277402 | N/A | N/A |
| XXXX | xxxxx2731 |  |  | Closed | 2025-01-24 17:27 | 2025-01-24 17:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 338 and the Final Closing disclosure on Pg. 167 reflects escrows. Rate lock date was entered correctly – see Pg. 354. An interior and exterior appraisal was completed for this property – see Pg. 66, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 73 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/24/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 3277403 | N/A | N/A |
| XXXX | xxxxx1639 |  |  | Closed | 2025-01-24 16:30 | 2025-01-28 15:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/28/2025 <br> Resolved-Gift Funds Receipt from Title Company received. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. - Seller-01/24/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Per XXXX, when the gift funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide supporting documentation - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-01/24/2025<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/28/2025 <br>Resolved-Gift Funds Receipt from Title Company received. - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | NV | Investment | Purchase | NA | 3276543 | N/A | N/A |
| XXXX | xxxxx2804 |  |  | Closed | 2025-01-24 19:54 | 2025-01-30 15:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waiver and comp factors provided - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/27/2025 <br>Open-Provide LOX for B2 living rent free with B1 - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Waived-Waiver and comp factors provided - Due Diligence Vendor-01/30/2025<br>| XXXX |  | Credit Score - Loan File 680, GL Requirement Minimum required per guidelines is 0/No Score.<br> Residual Income - Loan File $4761.76, GL Requirement Minimum $1500. <br> Job Stability- Loan File 35 months, GL Requirement 24 months<br> Tradelines- B2 has 2, GL Requirement 0 | MD | Primary Residence | Purchase | NA | 3279412 | Originator Post-Close | Yes |
| XXXX | xxxxx2804 |  |  | Closed | 2025-01-24 20:00 | 2025-01-29 12:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approval on 1/8/2025 page 557 <br> Exception Reason: Reserves- Loan File 3 months, GL Requirement Min 6 months - Due Diligence Vendor-01/24/2025 |  | Waived-Exception Approval on XXXX page 557 <br> Exception Reason: Reserves- Loan File 3 months, GL Requirement Min 6 months - Due Diligence Vendor-01/24/2025 |  |  | Credit Score - Loan File 680, GL Requirement Minimum required per guidelines is 0/No Score.<br> Residual Income - Loan File $4761.76, GL Requirement Minimum $1500. <br> Job Stability- Loan File 35 months, GL Requirement 24 months<br> Tradelines- B2 has 2, GL Requirement 0 | MD | Primary Residence | Purchase | NA | 3279473 | Originator Pre-Close | Yes |
| XXXX | xxxxx2804 |  |  | Closed | 2025-01-24 20:16 | 2025-01-24 23:29 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Received the IEAD - Due Diligence Vendor-01/24/2025 <br>Ready for Review-Document Uploaded. - Seller-01/24/2025 <br>Open-IEADS page 2 is missing. Provide complete IEADS Disclosure - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-01/24/2025<br>| Resolved-Received the IEAD - Due Diligence Vendor-01/24/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3279686 | N/A | N/A |
| XXXX | xxxxx2804 |  |  | Closed | 2025-01-21 14:58 | 2025-01-24 20:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 518 and the Final Closing disclosure on Pg#'s 277 reflects escrows. Rate lock date was entered correctly – see Pg#'s 549 An interior and exterior appraisal was completed for this property – see pg 64 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 543 , and copy of the appraisal was given to the borrower – see Pg#'s 57 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/21/2025 |  | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 518 and the Final Closing disclosure on Pg#'s 277 reflects escrows. Rate lock date was entered correctly – see Pg#'s 549 An interior and exterior appraisal was completed for this property – see pg 64 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 543 , and copy of the appraisal was given to the borrower – see Pg#'s 57 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/21/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 3243843 | N/A | N/A |
| XXXX | xxxxx2804 |  |  | Closed | 2025-01-21 14:58 | 2025-01-24 20:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 518 and the Final Closing disclosure on Pg#'s 277 reflects escrows. Rate lock date was entered correctly – see Pg#'s 549 An interior and exterior appraisal was completed for this property – see pg 64 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 543 , and copy of the appraisal was given to the borrower – see Pg#'s 57 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/21/2025 |  | Resolved-The loan's (9.16%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 518 and the Final Closing disclosure on Pg#'s 277 reflects escrows. Rate lock date was entered correctly – see Pg#'s 549 An interior and exterior appraisal was completed for this property – see pg 64 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 543 , and copy of the appraisal was given to the borrower – see Pg#'s 57 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/21/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 3243845 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 11:24 | 2025-02-14 16:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the Initial CD - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. - Seller-02/13/2025 <br>Open-TRID: Missing Closing Disclosure Signed Initial CD is missing and if any Fee are increased from LE To CD required COC as well - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/13/2025<br>| Resolved-received the Initial CD - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3251178 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-02-14 16:27 | 2025-02-14 16:46 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _421___ and the Final Closing disclosure on Pg#'s _263___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __447___ An interior and exterior appraisal was completed for this property – see pg _53___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_301__ , and copy of the appraisal was given to the borrower – see Pg#'s __301___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/14/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-02/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _421___ and the Final Closing disclosure on Pg#'s _263___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __447___ An interior and exterior appraisal was completed for this property – see pg _53___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_301__ , and copy of the appraisal was given to the borrower – see Pg#'s __301___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/14/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3425909 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-02-14 16:27 | 2025-02-14 16:30 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved- - Due Diligence Vendor-02/14/2025 <br> Open-Section 3:1-16.2 of the XXXX, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in XXXX. - Due Diligence Vendor-02/14/2025 |  | Resolved- - Due Diligence Vendor-02/14/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3425908 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-27 19:20 | 2025-02-14 16:11 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document was provided - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. - Seller-02/13/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-02/13/2025<br>| Resolved-E-signature document was provided - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3289138 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 10:20 | 2025-02-14 08:10 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Resolved as requested updated appraisal report provided with correct property address. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Seller-02/13/2025 <br> Open-Property address as per Note, Title, 1003, CDA, Purchase contract is "XXXX" but Appraisal reflects "XXXX". - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/13/2025<br>| Resolved-Resolved as requested updated appraisal report provided with correct property address. - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3251012 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 10:46 | 2025-01-30 22:57 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-XXXX Provided, Resolved - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-ITP Provided, Resolved - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3251079 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 10:50 | 2025-01-30 17:33 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Received the affiliated business arrangement disclosure - Due Diligence Vendor-01/30/2025 <br>Open-Primary purchase transaction required Affiliated Business Arrangement Disclosure which is missing in the file - Due Diligence Vendor-01/22/2025 |  | Resolved-Received the affiliated business arrangement disclosure - Due Diligence Vendor-01/30/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3251087 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 10:48 | 2025-01-30 17:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received the initial LE - Due Diligence Vendor-01/30/2025 <br>Open-Loan Estimate is missing in the file - Due Diligence Vendor-01/22/2025 |  | Resolved-Received the initial LE - Due Diligence Vendor-01/30/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3251085 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 10:47 | 2025-01-30 17:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-received the service provider list - Due Diligence Vendor-01/30/2025 <br>Open-Shoppable provider list is missing in the file - Due Diligence Vendor-01/22/2025 |  | Resolved-received the service provider list - Due Diligence Vendor-01/30/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3251084 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 09:39 | 2025-01-30 17:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/30/2025 <br>Open-The Initial 1003 is Missing Borrower and loan officer not signed to the initial 1003 - Due Diligence Vendor-01/22/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/30/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3250929 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 11:24 | 2025-01-30 17:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/30/2025 <br>Open-Primary purchase transaction required Homeownership Counseling Disclosure which is missing in the file<br> - Due Diligence Vendor-01/22/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/30/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3251183 | N/A | N/A |
| XXXX | xxxxx1638 |  |  | Closed | 2025-01-22 11:26 | 2025-01-30 17:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/30/2025 <br>Open-Primary purchase transaction required 'Your Home Loan Tool Kit' Which is missing in the file - Due Diligence Vendor-01/22/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/30/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3251188 | N/A | N/A |
| XXXX | xxxxx2856 |  |  | Closed | 2025-01-22 05:31 | 2025-02-03 20:16 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-The loan's (XXXX) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX).(XXXX. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per external counsel, it is appropriate to waive to a grade B - Due Diligence Vendor-01/22/2025 |  | Waived-The loan's (XXXX) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (XXXX).(XXXX. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per external counsel, it is appropriate to waive to a grade B - Due Diligence Vendor-01/22/2025 |  |  | Per External counsel, it is appropriate to waive to a grade B | NC | Primary Residence | Purchase | NA | 3250398 | Investor Post-Close | No |
| XXXX | xxxxx2856 |  |  | Closed | 2025-01-28 15:52 | 2025-01-30 19:07 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3) | Resolved-Appraisal completed well after incident date. <br> Appraisal shows that there is no damage to the property. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Appraisal completed well after incident date. - Seller-01/28/2025 <br> Open-Property potentially affected by XXXX. XXXX- Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-01/28/2025 | Ready for Review-Appraisal completed well after incident date. - Seller-01/28/2025<br>| Resolved-Appraisal completed well after incident date. <br> Appraisal shows that there is no damage to the property. - Due Diligence Vendor-01/30/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3296292 | N/A | N/A |
| XXXX | xxxxx2856 |  |  | Closed | 2025-01-28 01:08 | 2025-01-30 19:06 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-Received the E-signature document - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/28/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-Received the E-signature document - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3292247 | N/A | N/A |
| XXXX | xxxxx2856 |  |  | Closed | 2025-01-22 06:28 | 2025-01-30 19:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received the letter stating that ok to use joint account<br> - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 <br> Open-Please provide LOX of XXXX to use savings from his joint account with Borrower.<br> - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-Received the letter stating that ok to use joint account<br> - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3250541 | N/A | N/A |
| XXXX | xxxxx2856 |  |  | Closed | 2025-01-22 05:31 | 2025-01-22 06:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 262 and the Final Closing disclosure on Pg.'s 147 reflects escrows. Rate lock date was entered correctly – see Pg.'s 288 An interior and exterior appraisal was completed for this property – see pg. 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'365,287 and copy of the appraisal was given to the borrower – see Pg.'s 365,287 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/22/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 262 and the Final Closing disclosure on Pg.'s 147 reflects escrows. Rate lock date was entered correctly – see Pg.'s 288 An interior and exterior appraisal was completed for this property – see pg. 60, the appraisal disclosure was provided to the borrower(s)- see Pg#'365,287 and copy of the appraisal was given to the borrower – see Pg.'s 365,287 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/22/2025 |  |  |  | NC | Primary Residence | Purchase | NA | 3250397 | N/A | N/A |
| XXXX | xxxxx2011 |  |  | Closed | 2025-04-16 15:47 | 2025-04-16 15:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _323___ and the Final Closing disclosure on Pg#'s _133___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __345___ An interior and exterior appraisal was completed for this property – see pg _64___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_430__ , and copy of the appraisal was given to the borrower – see Pg#'s __215___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/16/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/16/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _323___ and the Final Closing disclosure on Pg#'s _133___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __345___ An interior and exterior appraisal was completed for this property – see pg _64___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_430__ , and copy of the appraisal was given to the borrower – see Pg#'s __215___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/16/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3879435 | N/A | N/A |
| XXXX | xxxxx2011 |  |  | Closed | 2025-04-16 15:50 | 2025-04-16 15:51 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-04/16/2025 <br> Open-There are ($150.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-04/16/2025 |  | Resolved- - Due Diligence Vendor-04/16/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3879479 | N/A | N/A |
| XXXX | xxxxx2011 |  |  | Closed | 2025-04-16 15:47 | 2025-04-16 15:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-04/16/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/16/2025 |  | Resolved- - Due Diligence Vendor-04/16/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3879434 | N/A | N/A |
| XXXX | xxxxx2011 |  |  | Closed | 2025-01-28 02:56 | 2025-01-31 06:04 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 provided with No Score. - Due Diligence Vendor-01/31/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. Score incorrectly marked as XXXX. Should have been zero. Corrected 1008 attached. - Seller-01/30/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'null' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Score incorrectly marked as XXXX. Should have been zero. Corrected 1008 attached. - Seller-01/30/2025 | Resolved-Updated 1008 provided with No Score. - Due Diligence Vendor-01/31/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3292377 | N/A | N/A |
| XXXX | xxxxx2911 |  |  | Closed | 2025-01-30 12:40 | 2025-01-30 12:49 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 284 and the Final Closing disclosure on page 181 reflects escrows. Rate lock date was entered correctly – see page 306. An interior and exterior appraisal was completed for this property – see page 16, 44, the appraisal disclosure was provided to the borrower(s)- see page 412 and copy of the appraisal was given to the borrower – see page 209. The loan meets HPML guidelines. - Due Diligence Vendor-01/30/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/30/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 284 and the Final Closing disclosure on page 181 reflects escrows. Rate lock date was entered correctly – see page 306. An interior and exterior appraisal was completed for this property – see page 16, 44, the appraisal disclosure was provided to the borrower(s)- see page 412 and copy of the appraisal was given to the borrower – see page 209. The loan meets HPML guidelines. - Due Diligence Vendor-01/30/2025 |  |  |  | MS | Primary Residence | Purchase | NA | 3314435 | N/A | N/A |
| XXXX | xxxxx2911 |  |  | Closed | 2025-01-30 12:40 | 2025-01-30 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Updated receipt date on Initial CD - Due Diligence Vendor-01/30/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-01/30/2025 |  | Resolved-Updated receipt date on Initial CD - Due Diligence Vendor-01/30/2025<br>|  |  |  | MS | Primary Residence | Purchase | NA | 3314436 | N/A | N/A |
| XXXX | xxxxx2911 |  |  | Closed | 2025-01-23 10:05 | 2025-01-30 12:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/29/2025 <br>Open-TRID: Missing Closing Disclosure Provide signed Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025<br>| Resolved-Revised LE, Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | MS | Primary Residence | Purchase | NA | 3264046 | N/A | N/A |
| XXXX | xxxxx2911 |  |  | Closed | 2025-01-23 09:57 | 2025-01-28 20:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approval on 1/16/2025 on page 374-375 <br> Exception Reason: Reserves- Loan File XXXX months, GL Requirement Min 3 months - Due Diligence Vendor-01/23/2025 |  | Waived-Exception Approval on XXXX on page 374-375 <br> Exception Reason: Reserves- Loan File XXXX months, GL Requirement Min 3 months - Due Diligence Vendor-01/23/2025 |  |  | DTI - Loan File 11.41%, GL Requirement Maximum 50%.<br> Residual Income - Loan File $31,384.73, GL Requirement Min $1500 + $150 per Dependent = $1650<br> Borrower Contribution - Loan File 100%, GL Requirement is Min 50% (Loan is No Score)<br>| MS | Primary Residence | Purchase | NA | 3264030 | Originator Pre-Close | Yes |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-12 17:03 | 2025-02-12 17:14 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 323 and the Final Closing disclosure on page 243 reflects escrows. Rate lock date was entered correctly – see page 351. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 75 and copy of the appraisal was given to the borrower – see page 341. The loan meets HPML guidelines. - Due Diligence Vendor-02/12/2025 <br> Open-The loan's (10.307%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-02/12/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 323 and the Final Closing disclosure on page 243 reflects escrows. Rate lock date was entered correctly – see page 351. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 75 and copy of the appraisal was given to the borrower – see page 341. The loan meets HPML guidelines. - Due Diligence Vendor-02/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3408028 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-12 17:03 | 2025-02-12 17:07 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Loan Warehousing Fee (Fee ID: 120) | Resolved-Updated Final CD - Due Diligence Vendor-02/12/2025 <br> Open-XXXX Fee (Fee ID: 120) is not allowed to be charged to the Borrower and paid to the Affiliate or Provider in XXXX under the XXXX, Fees, Obligations Provisions. The XXXX, Fees, Obligations Provisions allow this fee to be paid only to the lender. (N.J.A.C. 3:1-16.2(a). - Due Diligence Vendor-02/12/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-02/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3408027 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-07 14:33 | 2025-02-12 16:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/11/2025<br>| Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3374369 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-07 14:33 | 2025-02-12 16:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-02/12/2025 <br>Open-Provide Initial Loan Estimate - Due Diligence Vendor-02/07/2025 |  | Resolved-Initial LE received - Due Diligence Vendor-02/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3374373 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-07 13:19 | 2025-02-12 16:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/12/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-02/07/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3373681 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-10 14:46 | 2025-02-12 16:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-02/12/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/12/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-02/10/2025 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-02/12/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3385023 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-07 14:34 | 2025-02-12 16:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-02/12/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-02/12/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-02/07/2025 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-02/12/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-02/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3374390 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-07 14:35 | 2025-02-12 16:00 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-XXXX received - Due Diligence Vendor-02/12/2025 <br> Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-02/07/2025 |  | Resolved-XXXX received - Due Diligence Vendor-02/12/2025 |  |  |  | NJ | Primary Residence | Purchase | NA | 3374396 | N/A | N/A |
| XXXX | xxxxx2009 |  |  | Closed | 2025-02-07 14:36 | 2025-02-12 15:57 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/11/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3374401 | N/A | N/A |
| XXXX | xxxxx2841 |  |  | Closed | 2025-02-17 03:36 | 2025-02-21 19:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. - Seller-02/20/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Inspection Fee got added in final CD. No COC provided. - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved- - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3431845 | N/A | N/A |
| XXXX | xxxxx2841 |  |  | Closed | 2025-02-17 03:36 | 2025-02-21 19:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-02/21/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 678 and the Final Closing disclosure on Pg.'s 360 reflects escrows. Rate lock date was entered correctly – see Pg.'s 769 An interior and exterior appraisal was completed for this property – see pg. 148, the appraisal disclosure was provided to the borrower(s)- see Pg#'727,945 and copy of the appraisal was given to the borrower – see Pg.'s 727,945 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-02/17/2025 |  | Resolved-resolved - Due Diligence Vendor-02/21/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 678 and the Final Closing disclosure on Pg.'s 360 reflects escrows. Rate lock date was entered correctly – see Pg.'s 769 An interior and exterior appraisal was completed for this property – see pg. 148, the appraisal disclosure was provided to the borrower(s)- see Pg#'727,945 and copy of the appraisal was given to the borrower – see Pg.'s 727,945 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-02/17/2025 |  |  |  | NJ | Primary Residence | Purchase | NA | 3431847 | N/A | N/A |
| XXXX | xxxxx1202 |  |  | Closed | 2025-02-26 11:56 | 2025-03-03 14:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC's and Disclosure Tracking Summary - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/28/2025 <br>Open-TRID: Missing Closing Disclosure Provide Signed Initial Closing Disclosure and Disclosure Tracking Summary - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-Revised LE, Initial CD, COC's and Disclosure Tracking Summary - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3482472 | N/A | N/A |
| XXXX | xxxxx1202 |  |  | Closed | 2025-03-03 14:08 | 2025-03-03 14:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated Revised CD with COC information - Due Diligence Vendor-03/03/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Broker Fees, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/03/2025 |  | Resolved-Updated Revised CD with COC information - Due Diligence Vendor-03/03/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3511255 | N/A | N/A |
| XXXX | xxxxx1202 |  |  | Closed | 2025-02-28 15:09 | 2025-03-03 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/03/2025 <br>Resolved-WVOE and tax returns used for income qualification. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-02/28/2025 <br>Open-Borrower 1 Paystubs Missing Provide Paystubs<br> Per Matrix, Wage Earner ITIN<br> ✓ YTD Paystubs<br> ✓ 1 Year W-2<br> ✓ Full Written VOE<br> ✓ 1 Year Personal Tax Returns<br> ✓ 1 Year IRS 1040 Transcripts<br> ✓ Verbal VOE within 10 business days of closing - Due Diligence Vendor-02/28/2025 | Ready for Review-WVOE and tax returns used. - Seller-02/28/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/03/2025 <br>Resolved-WVOE and tax returns used for income qualification. - Due Diligence Vendor-03/03/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3501172 | N/A | N/A |
| XXXX | xxxxx1202 |  |  | Closed | 2025-02-28 15:09 | 2025-03-03 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-03/03/2025 <br>Resolved-WVOE and tax returns used for income qualification. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-02/28/2025 <br>Open-Borrower 1 W2/1099 Missing Provide W2/1099<br> Per Matrix, Wage Earner ITIN<br> ✓ YTD Paystubs<br> ✓ 1 Year W-2<br> ✓ Full Written VOE<br> ✓ 1 Year Personal Tax Returns<br> ✓ 1 Year IRS 1040 Transcripts<br> ✓ Verbal VOE within 10 business days of closing - Due Diligence Vendor-02/28/2025 | Ready for Review-WVOE and tax returns used. - Seller-02/28/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-03/03/2025 <br>Resolved-WVOE and tax returns used for income qualification. - Due Diligence Vendor-03/03/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3501173 | N/A | N/A |
| XXXX | xxxxx1202 |  |  | Closed | 2025-02-26 12:32 | 2025-02-28 14:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of XXXXmonth(s) are less than Guideline Required Reserves of 6 month(s) Exception Approved<br> Exception Approval on page 274<br> Exception Reason: Reserves - Loan file is XXXX months, GL Requirement Min 3 months + additional 3 months reserves for No VOR provided= 6 Months<br> Exception on page 274<br> - Due Diligence Vendor-02/26/2025 |  | Waived-Audited Reserves of 5.56 month(s) are less than Guideline Required Reserves of 6 month(s) Exception Approved<br> Exception Approval on page 274<br> Exception Reason: Reserves - Loan file is 5.56 months, GL Requirement Min 3 months + additional 3 months reserves for No VOR provided= 6 Months<br> Exception on page 274<br> - Due Diligence Vendor-02/26/2025<br>|  |  | Residual Income - Loan File $4274.62, GL Requirement Minimum $1500 + $150\*4 dependents= $1950. <br> Tradelines - Loan File 9 accounts reporting 18+ months, GL Requirements Min of 2 accounts reporting 18+ months.<br> Job Stability- Loan File 4 Years, GL Requirement 1 Year<br> Borrower Contribution- Loan File 97.83%, GL Requirement Min 10% | CA | Primary Residence | Purchase | NA | 3482590 | Originator Pre-Close | Yes |
| XXXX | xxxxx1202 |  |  | Closed | 2025-02-26 12:05 | 2025-03-03 14:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/26/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 <br>Resolved-The loan's (9.489%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/26/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3482499 | N/A | N/A |
| XXXX | xxxxx1202 |  |  | Closed | 2025-02-26 12:05 | 2025-03-03 14:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/26/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.489%) equals or exceeds the California HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256 and the Final Closing disclosure on Pg#'s 125 reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg#'342 and copy of the appraisal was given to the borrower – see Pg#'s 114, 115, 117, 118 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/26/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3482498 | N/A | N/A |
| XXXX | xxxxx2024 |  |  | Closed | 2025-03-14 12:11 | 2025-03-14 12:22 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 1127 and the Final Closing disclosure on page 359 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 91, the appraisal disclosure was provided to the borrower(s)- see page 1308-1313 and copy of the appraisal was given to the borrower – see page 1257. The loan meets HPML guidelines. - Due Diligence Vendor-03/14/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-03/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 1127 and the Final Closing disclosure on page 359 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 91, the appraisal disclosure was provided to the borrower(s)- see page 1308-1313 and copy of the appraisal was given to the borrower – see page 1257. The loan meets HPML guidelines. - Due Diligence Vendor-03/14/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3611420 | N/A | N/A |
| XXXX | xxxxx2024 |  |  | Closed | 2025-03-14 12:11 | 2025-03-14 12:21 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 1127 and the Final Closing disclosure on page 359 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 91, the appraisal disclosure was provided to the borrower(s)- see page 1308-1313 and copy of the appraisal was given to the borrower – see page 1257. The loan meets HPML guidelines. - Due Diligence Vendor-03/14/2025 <br> Open-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX) equals or exceeds the XXXX HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-03/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 1127 and the Final Closing disclosure on page 359 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 91, the appraisal disclosure was provided to the borrower(s)- see page 1308-1313 and copy of the appraisal was given to the borrower – see page 1257. The loan meets HPML guidelines. - Due Diligence Vendor-03/14/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3611419 | N/A | N/A |
| XXXX | xxxxx2024 |  |  | Closed | 2025-03-10 11:38 | 2025-03-14 12:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised LE's, Initial CD, COC's and Disclosure Tracking Summary - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/13/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Received Revised LE's, Initial CD, COC's and Disclosure Tracking Summary - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3567133 | N/A | N/A |
| XXXX | xxxxx2024 |  |  | Closed | 2025-03-13 14:53 | 2025-03-14 11:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-03/14/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/13/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-03/14/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3602480 | N/A | N/A |
| XXXX | xxxxx2572 |  |  | Closed | 2025-04-03 18:27 | 2025-04-03 18:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _311___ and the Final Closing disclosure on Pg#'s _137___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _33___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__473_ , and copy of the appraisal was given to the borrower – see Pg#'s __179___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/03/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _311___ and the Final Closing disclosure on Pg#'s _137___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _33___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__473_ , and copy of the appraisal was given to the borrower – see Pg#'s __179___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3776542 | N/A | N/A |
| XXXX | xxxxx2572 |  |  | Closed | 2025-04-01 06:49 | 2025-04-03 18:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>|  | XXXX |  | the initial CD was provided | NV | Primary Residence | Purchase | NA | 3737260 | N/A | N/A |
| XXXX | xxxxx2572 |  |  | Closed | 2025-04-03 18:27 | 2025-04-03 18:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-04/03/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXXX) has increased by more than 10% over the current baseline value of (XXXX). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-04/03/2025 |  | Resolved- - Due Diligence Vendor-04/03/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3776540 | N/A | N/A |
| XXXX | xxxxx2572 |  |  | Closed | 2025-04-03 18:27 | 2025-04-03 18:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-04/03/2025 <br> Open-The total amount of the 10% category fees ($XXXX) has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-04/03/2025 |  | Resolved- - Due Diligence Vendor-04/03/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3776541 | N/A | N/A |
| XXXX | xxxxx2572 |  |  | Closed | 2025-04-02 20:30 | 2025-04-03 18:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3756321 | N/A | N/A |
| XXXX | xxxxxx0197 |  |  | Closed | 2025-03-25 17:45 | 2025-04-18 19:43 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Appraisal Invoice Subject Transaction Loan #2503150197. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Appraisal Invoice Loan XXXX, Subject Transaction Loan XXXX. <br> Borrower Withdrawal Letter for XXXX XXXX did not move forward with purchase of property. <br> Requesting Appraisal updated to reflect Subject Transaction Loan XXXX. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Appraisal Invoice Subject Transaction Loan #2503150197. - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3691133 | N/A | N/A |
| XXXX | xxxxxx0197 |  |  | Closed | 2025-03-24 10:33 | 2025-04-08 10:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Borrower using 12 months from 2 different accounts as banks were changed; LOX uploaded, verified - Resolved.<br> - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-Provide updated Lender Worksheet, as income worksheet calculation showing for 12 months, but we have 11 months bank statement in statement overview page #567 for account #6749, and another worksheet calculation showing for 12 months, but we have 4 months bank statement in statement overview page #571 for account #4367. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Borrower using 12 months from 2 different accounts as banks were changed; LOX uploaded, verified - Resolved.<br> - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3676995 | N/A | N/A |
| XXXX | xxxxxx0197 |  |  | Closed | 2025-03-24 09:57 | 2025-04-04 17:59 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Seller Fee, resolved. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-Title fees Title Search is paid to a provider that's not on providers list, but the fee is still in section B, move the Fee Title Search to section C. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Seller Fee, resolved. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3676862 | N/A | N/A |
| XXXX | xxxxxx0197 |  |  | Closed | 2025-03-25 18:04 | 2025-04-04 17:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/04/2025 <br> Resolved-Statement of 100% Replacement Cost uploaded. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Counter-Hazard Insurance Policy RCV XXXX minimum coverage required. HOI Dwelling XXXX + Increased Coverage XXXX = XXXX Dwelling Coverage. Requesting verify minimum coverage XXXX. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-Missing Hazard Insurance Policy RCV XXXX<br> HOI Dwelling XXXX + Increased Coverage XXXX<br> Requesting verify minimum coverage XXXX. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/04/2025 <br>Resolved-Statement of 100% Replacement Cost uploaded. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3691419 | N/A | N/A |
| XXXX | xxxxxx0197 |  |  | Closed | 2025-03-24 09:51 | 2025-04-21 16:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (9.12%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (XXXX). The System applied this threshold because this (XXXX) loan exceeds (XXXX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025 <br> Resolved-The loan's (9.552%) APR equals or exceeds the Federal HPML threshold of (XXXX). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (XXXX). The System applied this threshold because this ($1,278,000.00) loan exceeds ($806,500.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/18/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXX). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (XXXX). The System applied this threshold because this (XXXX) loan exceeds (XXXX0), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/04/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (XXXX). The System applied this threshold because this (XXXX) loan exceeds ($806,500.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/24/2025 |  | Resolved-The loan's (9.552%) APR equals or exceeds the Federal HPML threshold of (9.12%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.62%). The System applied this threshold because this ($1,278,000.00) loan exceeds ($806,500.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/21/2025 <br>Resolved-The loan's (9.552%) APR equals or exceeds the Federal HPML threshold of (9.12%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.62%). The System applied this threshold because this ($1,278,000.00) loan exceeds ($806,500.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/18/2025 <br>Resolved-The loan's (9.552%) APR equals or exceeds the Federal HPML threshold of (9.12%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.62%). The System applied this threshold because this ($1,278,000.00) loan exceeds ($806,500.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/04/2025 <br>Resolved-The loan's (9.552%) APR equals or exceeds the Federal HPML threshold of (9.12%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.62%). The System applied this threshold because this ($1,278,000.00) loan exceeds ($806,500.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 489, 464 and the Final Closing disclosure on Pg#'s 214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 517, 514 An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 625, and confirmation the appraisal was delivered to the borrower – see Pg#'s 59, 576. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/24/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3676842 | N/A | N/A |
| XXXX | xxxxxx0197 |  |  | Closed | 2025-03-24 10:28 | 2025-03-25 17:49 | Resolved | 1 - Information A | Credit | Assets | Asset General | Resolved-Loan Exception in file page #513 XXXX. Exception to proceed with NSF activity (14) approved.<br> Great residual income, minimum XXXX. <br> DTI below XXX, maximum XXXX. <br> XXXX FICO, minimum 700 - Due Diligence Vendor-03/24/2025 |  | Resolved-Loan Exception in file page #513 3/14/2025. Exception to proceed with NSF activity (14) approved.<br> Great residual income, minimum $1,500. <br> DTI below 30%, maximum 45%. <br> 704 FICO, minimum 700 - Due Diligence Vendor-03/24/2025<br>|  |  | Exception to proceed with NSF activity (14) approved, great residual income, DTI below 30%, 704 FICO<br> DTI under 30% <br> Residual income 45k <br> 704 FICO . | FL | Primary Residence | Purchase | NA | 3676981 | N/A | N/A |
| XXXX | xxxxxx6527 |  |  | Closed | 2025-03-24 06:06 | 2025-04-16 08:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-VOD document covering the most recent 60-day period uploaded, Asset Record 6 Meets G/L Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br> Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Asset 6 Does Not Meet Guideline Requirements As per the guidelines , Provide account statements for XXXX that cover the most recent 60-day period. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-VOD document covering the most recent 60-day period uploaded, Asset Record 6 Meets G/L Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3676263 | N/A | N/A |
| XXXX | xxxxxx6527 |  |  | Closed | 2025-03-24 06:06 | 2025-04-16 08:02 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-VOD document covering the most recent 60-day period uploaded, Asset Record 5 Meets G/L Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br> Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements As per the guidelines , Provide account statements for XXXX that cover the most recent 60-day period. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-VOD document covering the most recent 60-day period uploaded, Asset Record 5 Meets G/L Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3676262 | N/A | N/A |
| XXXX | xxxxxx6527 |  |  | Closed | 2025-03-24 06:06 | 2025-04-16 08:02 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-VOD document covering the most recent 60-day period uploaded, Asset Record 3 Meets G/L Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements As per the guidelines , Provide account statements for XXXX that cover the most recent 60-day period. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-VOD document covering the most recent 60-day period uploaded, Asset Record 3 Meets G/L Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3676261 | N/A | N/A |
| XXXX | xxxxxx6527 |  |  | Closed | 2025-03-24 05:12 | 2025-04-07 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower Income is qualified with WVOE and we have the tax returns and tax transcripts to suffice, Verified - Resolved - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-04/07/2025 <br>Ready for Review-This is an ITIN + W2 only, in which we have the tax returns and tax transcripts to suffice. Thank you - Seller-04/04/2025 <br>Open-Borrower 1 W2/1099 Missing As per guideline provide IRS W-2 form for the most recent tax year - Due Diligence Vendor-03/24/2025 | Ready for Review-This is an ITIN + W2 only, in which we have the tax returns and tax transcripts to suffice. Thank you - Seller-04/04/2025<br>| Resolved-Borrower Income is qualified with WVOE and we have the tax returns and tax transcripts to suffice, Verified - Resolved - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-04/07/2025<br>|  |  |  | MA | Primary Residence | Purchase | NA | 3676123 | N/A | N/A |
| XXXX | xxxxxx6527 |  |  | Closed | 2025-03-24 05:12 | 2025-04-07 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower Income is qualified with WVOE and we have the tax returns and tax transcripts to suffice, Verified - Resolved - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-04/07/2025 <br>Ready for Review-This is an ITIN + W2 only, in which we have the tax returns and tax transcripts to suffice. Thank you - Seller-04/04/2025 <br>Open-Borrower 1 Paystubs Missing As per guideline provide borrower's recent paystub reflecting 30 days of pay and YTD earnings - Due Diligence Vendor-03/24/2025 | Ready for Review-This is an ITIN + W2 only, in which we have the tax returns and tax transcripts to suffice. Thank you - Seller-04/04/2025<br>| Resolved-Borrower Income is qualified with WVOE and we have the tax returns and tax transcripts to suffice, Verified - Resolved - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-04/07/2025<br>|  |  |  | MA | Primary Residence | Purchase | NA | 3676122 | N/A | N/A |
| XXXX | xxxxxx8573 |  |  | Closed | 2025-03-26 04:42 | 2025-04-17 13:07 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Counter-As per guidelines 02/14/25, page 43 of 103, for multiple borrowers Full Doc and Alt Doc Documentation: Use the Decision Score for the primary wage earner. As per Credit Report the Primary Wage Earner Mid score is XXXX. Requesting updated 1008. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Per the u/w the XXXX is the correct FICO, they use the lesser of the two. 1008 is correct. If you are needing a document updated, please advise what document, because the 1008 shows correctly, and not sure which document you are referring too for the "credit and labilities" primary wage earner. - Seller-04/02/2025 <br> Ready for Review-PEr the u/w the XXXX is the correct , they use the lesser of the two. 1008 is correct. - Seller-04/02/2025 <br> Open-Qualifying FICO on the 1008 Page is XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is XXXX or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is XXXX but the Qualifying FICO from the Credit Liabilities Page is XXXX buy selecting Qualifying FICO method as 'Primary Wage earner'. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Ready for Review-Per the u/w the XXXX is the correct FICO, they use the lesser of the two. 1008 is correct. If you are needing a document updated, please advise what document, because the 1008 shows correctly, and not sure which document you are referring too for the "credit and labilities" primary wage earner. - Seller-04/02/2025 <br> Ready for Review-PEr the u/w the XXXX is the correct , they use the lesser of the two. 1008 is correct. - Seller-04/02/2025 | Resolved-Validation Resolved - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3694720 | N/A | N/A |
| XXXX | xxxxxx8573 |  |  | Closed | 2025-03-25 11:01 | 2025-04-17 13:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-The Final 1003 is Incomplete B2 1003 is not reflecting REOs and declarations states B2 owned Investment property as jointly. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3686652 | N/A | N/A |
| XXXX | xxxxxx8573 |  |  | Closed | 2025-03-28 18:09 | 2025-04-17 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Counter-Requesting updated Photo ID for borrower 1 as the screen shot provided is not the complete ID. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower 1 Photo Identification is expired. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3721951 | N/A | N/A |
| XXXX | xxxxxx8573 |  |  | Closed | 2025-03-26 05:48 | 2025-04-03 00:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XXXX is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/03/2025 <br> Ready for Review-U/W updated their income calculation,and new income calc is attached. Per 1003/1008 in file, we are using less income to qualify borrower. 1003 income is XXXX and per new worksheet, we can use up to XXXX. Business narrative includes owner, 1 employee. - Seller-04/01/2025 <br> Open-Audited DTI of XXXX exceeds Guideline DTI of 50% Audited DTI of XXXX exceeds Guideline DTI of 50% is due to income discrepancy in file. 1003 mentioned income XXXX is greater than Calculated income XXXX by considering expense ratio as XXXX per lender income worksheet pg-396 stating business type as product business though it is not. - Due Diligence Vendor-03/26/2025 | Ready for Review-U/W updated their income calculation,and new income calc is attached. Per 1003/1008 in file, we are using less income to qualify borrower. 1003 income is XXXX and per new worksheet, we can use up to XXXX. Business narrative includes owner, 1 employee. - Seller-04/01/2025 | Resolved-Audited DTI of 40.47% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/03/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3695039 | N/A | N/A |
| XXXX | xxxxxx8573 |  |  | Closed | 2025-03-26 03:58 | 2025-04-02 23:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Provided Written VOE with income for 3 years verified & used in lieu of paystubs. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. U/W used a written VOE with income for 3 years verified in lieu of paystubs. Please see attached. - Seller-03/31/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided in file. As per G/Ls require 1 month of paystubs to verify. <br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. U/W used a written VOE with income for 3 years verified in lieu of paystubs. Please see attached. - Seller-03/31/2025<br>| Resolved-Provided Written VOE with income for 3 years verified & used in lieu of paystubs. - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3694628 | N/A | N/A |
| XXXX | xxxxxx8573 |  |  | Closed | 2025-03-28 06:14 | 2025-04-02 23:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. U/W updated their income calculation,and new income calc is attached. Per 1003/1008 in file, we are using less income to qualify borrower. 1003 income is $XXXX and per new worksheet, we can use up to $XXXX. Business narrative includes owner, 1 employee. - Seller-04/01/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Calculated income (as per worksheet)$XXXX is less than 1003 mentioned income $XXXX. Provided income worksheet on 396, U/W used XXXX of expense ratio stating as product business, whereas per business narrative document pg-473 business is service based and can verify it by looking at XXXX, 5th questions checked/answered by borrower (In business narrative document). Require updated income worksheet with corrected income calculated with correct expense ratio as per G/Ls.<br> - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. U/W updated their income calculation,and new income calc is attached. Per 1003/1008 in file, we are using less income to qualify borrower. 1003 income is XXXX and per new worksheet, we can use up to XXXX. Business narrative includes owner, 1 employee. - Seller-04/01/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3715766 | N/A | N/A |
| XXXX | xxxxxx7111 |  |  | Closed | 2025-03-25 03:49 | 2025-05-13 16:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/13/2025 <br> Resolved-Borrower and Co-Borrower Initial 1003 2/13/2025. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Counter-Upon Review - It is agreed the intent to proceed can be verbal, however; need documentation of the borrower's acknowledgement of their intent to proceed. There should be some form of documentation of the borrower's verbal intent to proceed. - Due Diligence Vendor-04/24/2025 <br> Counter-Upon Review - It is agreed the intent to proceed can be verbal, however; need documentation of the borrower's acknowledgement of their intent to proceed. There should be some form of documentation of the borrower's verbal intent to proceed. - Due Diligence Vendor-04/24/2025 <br> Counter-Management Comp Review - Due Diligence Vendor-04/23/2025 <br> Ready for Review-The intent to proceed can be verbal and is not required to be signed. You have been provided the disclosure timing and when provided to borrower - please waive this condition - Seller-04/21/2025 <br> Counter-Documentation 1003, Intent to Proceed, Initial LE along with full disclosure package delivered to Borrowers via e-mail XXXX XXXX XXXX however missing is document Borrowers acknowledgement to proceed with application and/or signatures and dated disclosures. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-B1 Initial 1003 uploaded. Requesting portion B2 Initial 1003. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Counter-Summary Detail Initial Disclosures is Proof of Delivery to Borrower, will need copy documentation. Missing Initial 1003. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Utilizing the mail rule-- initials were mailed out on XXXX – see attached Fulfillment Cert, the appraisal was completed well after the 7 days of being mailed (XXXX) and the locked LE was also sent well after the 7 days (XXXX). Thank you - Seller-04/09/2025 <br> Open-The Initial 1003 is Missing The Initial 1003 is missing for both borrower1&2. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Ready for Review-The intent to proceed can be verbal and is not required to be signed. You have been provided the disclosure timing and when provided to borrower - please waive this condition - Seller-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Ready for Review-Document Uploaded. Utilizing the mail rule-- initials were mailed out on XXXX – see attached Fulfillment Cert, the appraisal was completed well after the 7 days of being mailed (XXXX) and the locked LE was also sent well after the 7 days (XXXX). Thank you - Seller-04/09/2025 | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/13/2025 <br>Resolved-Borrower and Co-Borrower Initial 1003 2/13/2025. - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3685468 | N/A | N/A |
| XXXX | xxxxxx7111 |  |  | Closed | 2025-03-25 04:09 | 2025-05-13 16:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided - Due Diligence Vendor-05/13/2025 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Seller-03/28/2025 <br>Open-Borrower 1 Executed 4506-T Missing Borrower 1 Executed 4506-C document is missing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-Borrower 2 Executed 4506-T Provided - Due Diligence Vendor-05/13/2025 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3685506 | N/A | N/A |
| XXXX | xxxxxx7111 |  |  | Closed | 2025-03-28 15:30 | 2025-05-13 16:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Initial 1003/LE XXXX, Processor Certification Borrowers Intent to proceed XXXX. Within 10 BD of Initial LE, resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Counter-Initial 1003/LE XXXX, Intent to proceed needs to be confirmed within 10 business days after receiving the the Loan Estimate either verbally or written from Borrower. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Counter-Comp Review - we agree the intent to proceed can be verbal, however; we need documentation of the borrower's acknowledgement of their intent to proceed. There should be some form of documentation of the borrower's verbal intent to proceed. - Due Diligence Vendor-04/29/2025 <br> Counter-Management Comp Review - Due Diligence Vendor-04/23/2025 <br> Ready for Review-The intent to proceed can be verbal and is not required to be signed. You have been provided the disclosure timing and when provided to borrower - please waive this condition - Seller-04/21/2025 <br> Counter-Documentation 1003, Intent to Proceed, Initial LE along with full disclosure package delivered to Borrowers via e-mail 2/13/2025 XXXX mail XXXX however missing is document Borrowers acknowledgement to proceed with application and/or signatures and dated disclosures. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-The copy of the intent to proceed and the proof of delivery were uploaded-- please advise all uploads - Seller-04/16/2025 <br> Counter-Missing Signed Intent to Proceed Disclosure. Summary Detail Initial Disclosures is Proof of Delivery to Borrower, will need copy documentation. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Counter-Summary Detail Initial Disclosures is Proof of Delivery to Borrower, will need copy documentation. Missing Signed Intent to Proceed Disclosure. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Utilizing the mail rule-- initials were mailed out on XXXX – see attached Fulfillment Cert, the appraisal was completed well after the 7 days of being mailed (XXXX) and the locked LE was also sent well after the 7 days (XXXX). Thank you - Seller-04/09/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Ready for Review-The intent to proceed can be verbal and is not required to be signed. You have been provided the disclosure timing and when provided to borrower - please waive this condition - Seller-04/21/2025 <br> Ready for Review-The copy of the intent to proceed and the proof of delivery were uploaded-- please advise all uploads - Seller-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Ready for Review-Document Uploaded. Utilizing the mail rule-- initials were mailed out on XXXX – see attached Fulfillment Cert, the appraisal was completed well after the 7 days of being mailed (XXXX) and the locked LE was also sent well after the 7 days (XXXX). Thank you - Seller-04/09/2025 | Resolved-Initial 1003/LE 2/13/2025, Processor Certification Borrowers Intent to proceed 2/21/2025. Within 10 BD of Initial LE, resolved. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3719790 | N/A | N/A |
| XXXX | xxxxxx7111 |  |  | Closed | 2025-04-16 15:06 | 2025-04-18 20:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-COC XXXX - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Missing Change of Circumstance for LE XXXX. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-COC 3/3/2025 - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3878516 | N/A | N/A |
| XXXX | xxxxxx7111 |  |  | Closed | 2025-04-16 15:20 | 2025-04-18 20:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service provider list. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open-Missing Service Provider List. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Service provider list. - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3879012 | N/A | N/A |
| XXXX | xxxxxx7111 |  |  | Closed | 2025-03-25 12:00 | 2025-04-16 15:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE uploaded XXXX - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Counter-Summary Detail Initial Disclosures is Proof of Delivery to Borrower, will need copy documentation. Missing Initial LE. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Utilizing the mail rule-- initials were mailed out on XXXX – see attached Fulfillment Cert, the appraisal was completed well after the 7 days of being mailed (XXXX) and the locked LE was also sent well after the 7 days (XXXX). Thank you - Seller-04/09/2025 <br> Open-Initial Loan Estimate is missing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Ready for Review-Document Uploaded. Utilizing the mail rule-- initials were mailed out on XXXX – see attached Fulfillment Cert, the appraisal was completed well after the 7 days of being mailed (XXXX) and the locked LE was also sent well after the 7 days (XXXX). Thank you - Seller-04/09/2025 | Resolved-Initial LE uploaded 2/13/2025 - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3687026 | N/A | N/A |
| XXXX | xxxxxx8266 |  |  | Closed | 2025-04-02 17:23 | 2025-04-24 22:14 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements based on statements in file. - Due Diligence Vendor-04/24/2025 <br>Rescinded-Asset 4 Does Not Meet Guideline Requirements Missing corresponding statement for 60 days. - Due Diligence Vendor-04/02/2025 |  | Resolved-Asset 4 Meets Guideline Requirements based on statements in file. - Due Diligence Vendor-04/24/2025 <br>Rescinded-Asset 4 Does Not Meet Guideline Requirements Missing corresponding statement for 60 days. - Due Diligence Vendor-04/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3753755 | N/A | N/A |
| XXXX | xxxxxx8266 |  |  | Closed | 2025-03-31 08:38 | 2025-04-21 19:10 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD XXXX - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. here you go, buyer PCCD<br> - Seller-04/17/2025 <br> Counter-CD uploaded is Sellers Transaction Details. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-PCCD 2 is the new upload? Please review - Seller-04/14/2025 <br> Counter-Requesting PCCD. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. line 4 is seller paid. - Seller-04/11/2025 <br> Counter-Requesting PCCD Section B. Services Borrower Did Not Shop For line 4 and 5 moved to disclosed Section C. Services Borrower Did Shop For. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-Provide the PCCD with Gift amount XXXX reflecting in adjustment section.<br> - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. here you go, buyer PCCD<br> - Seller-04/17/2025 <br> Ready for Review-PCCD 2 is the new upload? Please review - Seller-04/14/2025 <br> Ready for Review-Document Uploaded. line 4 is seller paid. - Seller-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 | Resolved-PCCD 4/17/2025 - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3727552 | N/A | N/A |
| XXXX | xxxxxx8266 |  |  | Closed | 2025-04-02 17:53 | 2025-04-07 14:19 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify all credit obligations (ATR) | Resolved-Credit Supplement Uploaded. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-Final 1003 liabilities show new account Revolving account XXXX xx monthly payment XXXXX unpaid balance XXXX, XXXX xxXXXX monthly payment XXXX unpaid balance XXXX. Requesting credit supplement or account statement confirming balances and monthly payment. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Credit Supplement Uploaded. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3754203 | N/A | N/A |
| XXXX | xxxxxx8266 |  |  | Closed | 2025-04-02 17:48 | 2025-04-07 14:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-The Final 1003 is Missing 1008 Monthly Income XXXX. Requesting Final 1003 Monthly Income XXXX. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3754129 | N/A | N/A |
| XXXX | xxxxxx8997 |  |  | Closed | 2025-04-02 06:19 | 2025-05-14 12:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Attached is ledger. Please see the XXXX receipt listed - Seller-05/12/2025 <br> Counter-Also upload the wire receipt for the proceeds? - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. please see attached docs for the XXXX. - Seller-05/05/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements 1003 shows 2nd XXXX amount of XXXX whereas unable to verify the same. Provide proof of documents for the amount . - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Attached is ledger. Please see the XXXX receipt listed - Seller-05/12/2025 <br> Ready for Review-Document Uploaded. please see attached docs for the TD loan. - Seller-05/05/2025 | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 3748327 | N/A | N/A |
| XXXX | xxxxxx7811 |  |  | Closed | 2025-04-02 10:36 | 2025-04-25 10:35 | Resolved | 1 - Information C A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Updated purchase addendum with correct amount of Gift of Equity (XXXX) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Require purchase addendum to reflect correct amount of Gift of Equity (XXXX). Provided Contract pg-139 is reflecting XXXX as gift of equity. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Updated purchase addendum with correct amount of Gift of Equity ($78100) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3749172 | N/A | N/A |
| XXXX | xxxxxx7811 |  |  | Closed | 2025-04-02 11:57 | 2025-04-21 16:01 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Document has been received and reviewed - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/17/2025 <br>Open-Right to Receive Appraisal disclosure is missing in file. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Document has been received and reviewed - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3749611 | N/A | N/A |
| XXXX | xxxxxx7811 |  |  | Closed | 2025-04-02 10:23 | 2025-04-18 05:35 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal updated and/or Completion Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/18/2025 <br> Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Open-Primary Value Appraisal is Expired (Days Difference is 126) Provided appraisal pg-23 dated XXXX is expired. As per G/Ls, require appraisal within 120 days of closing date. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Appraisal updated and/or Completion Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3749107 | N/A | N/A |
| XXXX | xxxxxx7811 |  |  | Closed | 2025-04-02 11:54 | 2025-04-09 16:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Toolkit is missing in file. Loan transaction is Primary residence - Purchase. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3749596 | N/A | N/A |
| XXXX | xxxxxx7811 |  |  | Closed | 2025-04-02 11:55 | 2025-04-09 16:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/09/2025 <br>Open-Homeownership Counseling Disclosure is missing in file. Loan transaction is Primary residence - Purchase. - Due Diligence Vendor-04/02/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/09/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3749597 | N/A | N/A |
| XXXX | xxxxxx8764 |  |  | Closed | 2025-04-02 07:57 | 2025-04-18 06:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated Final 1003 & 1008 with corrected Tax amount uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. please see attached updated 1003 and 1008--- borrower has no impounds and all documents now correlate. Thank you - Seller-04/17/2025 <br>Open-Missing Evidence of Property Tax Provide Updated tax certificate, as given tax certificate amount is not matching. hence there is difference in DTI. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. please see attached updated 1003 and 1008--- borrower has no impounds and all documents now correlate. Thank you - Seller-04/17/2025<br>| Resolved-Updated Final 1003 & 1008 with corrected Tax amount uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3748641 | N/A | N/A |
| XXXX | xxxxxx8924 |  |  | Closed | 2025-04-14 05:32 | 2025-04-16 18:02 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-True, but Bwr1 also has XXXX income on top of the LLC income. Bwr1: XXXX + XXXX Benefits = $4,005.80 total income. Bwr2: $XXXX LLC only = $XXXX total income. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-The borrowers are 50/50 owners in the LLC. Per UW, we use the lower of the two median FICO scores, which would be XXXX per guidelines. - Seller-04/15/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per Guidelines: Full Doc and Alt Doc Documentation: Use the Decision Score for the primary wage earner. Borrower 1 and Borrower 2 have equal income (50%/50%) in the business. However, Borrower 1 also has additional income from the XXXX, thus making Borrower 1 the borrower with the higher income. Therefore, his FICO (XXXX) should be used. The 1008 is incorrect. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Ready for Review-The borrowers are 50/50 owners in the LLC. Per UW, we use the lower of the two median FICO scores, which would be XXXX per guidelines. - Seller-04/15/2025 | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | ID | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3851787 | N/A | N/A |
| XXXX | xxxxxx8924 |  |  | Closed | 2025-04-15 14:49 | 2025-04-16 13:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 was corrected. Issue resolved. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Updated Final URLA reflecting B2 self-employed - Seller-04/15/2025 <br>Open-The Final 1003 is Incomplete • On the Co-borrower's Final 1003 (page 9 of 14) under section 1B (Current Employment/Self Employment and Income) check mark for Self-employment question is blank, but the Operating Agreement for the business confirms that this person is a 50% owner. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Updated Final URLA reflecting B2 self-employed - Seller-04/15/2025<br>| Resolved-The Final 1003 was corrected. Issue resolved. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | ID | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3866801 | N/A | N/A |
| XXXX | xxxxxx8924 |  |  | Closed | 2025-04-14 12:53 | 2025-04-16 08:50 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final 1003 & 1008 uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Updated Final URLA/1008 reflecting total liabilities of XXXX attached. - Seller-04/15/2025 <br> Open-• Audit DTI is XXXX compared to the Lender's XXXX. The variance comes from a difference in Credit Debt used. Per the Credit Report and the Final 1003, credit debt is XXXX monthly (XXXX). Per the 1008, credit debt is XXXX. Unable to validate the extra XXXX in debt to make up the XXXX as shown on the 1008. Provide either (a) evidence of the additional debt or (b) a corrected 1008 and loan approval with the correct DTI based on the XXXX verifiable debt. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Updated Final URLA/1008 reflecting total liabilities of XXXX attached. - Seller-04/15/2025 | Resolved-Updated Final 1003 & 1008 uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | ID | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3853527 | N/A | N/A |
| XXXX | xxxxxx8745 |  |  | Closed | 2025-04-18 18:48 | 2025-04-21 18:34 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intended to Proceed signed 2/26/2025 was received. System updated for XXXX. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. • The Intent to Proceed is missing from the loan file. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Intended to Proceed signed 2/26/2025 was received. System updated for Mavent. - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 3904561 | N/A | N/A |
| XXXX | xxxxxx8745 |  |  | Closed | 2025-04-14 05:37 | 2025-04-18 18:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Open-• The "Reinspection Fee" increased from $0 on the XXXX5 CD to XXXX on the XXXX CD. No COC was provided for this addition. - Due Diligence Vendor-04/14/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Reinspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 3851803 | N/A | N/A |
| XXXX | xxxxxx7715 |  |  | Closed | 2025-04-17 12:46 | 2025-04-28 19:03 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1003 & 1008 received. The 1008 DTI is now XXXX, which is within tolerance of the audit's DTI of XXXX. Issue resolved. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Counter-Documents uploaded on XXXX were for the subject property at XXXX. However, the finding was for the other REO property owned at XXXX. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Per the Final 1003 (page #4 of 20, section 3d.), the property expense for XXXX is only Taxes/Insurance/Association dues of XXXX. However, per the XXXX Property Tax Profile Report for that property, property taxes alone are two installments of XXXX for a total of XXXX annually (÷ 12 months = XXXX monthly). Audit used the higher of XXXX for property expense, thus causing a higher DTI. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Corrected 1003 & 1008 received. The 1008 DTI is now 22.405%, which is within tolerance of the audit's DTI of 22.3518%. Issue resolved. - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3888438 | N/A | N/A |
| XXXX | xxxxxx7480 |  |  | Closed | 2025-04-21 21:02 | 2025-04-24 20:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Quit Claim Deed provided to show property settlement. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Hi, here is the Quit Claim Deed she signed in XXXX. - Seller-04/22/2025 <br> Open-There is Child Support Documents in the file, page 98 of 488 show the other party has temporary and exclusive use of the subject property. There is not a grant deed or an end date on this document. Requesting Divorce Decree. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Hi, here is the Quit Claim Deed she signed in 2023. - Seller-04/22/2025<br>| Resolved-Quit Claim Deed provided to show property settlement. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3920074 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-08 11:46 | 2025-05-08 11:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 384 and the Final Closing disclosure on page 204 reflects escrows. Rate lock date was entered correctly in Findings. An interior and exterior appraisal was completed for this property – see page 33, the appraisal disclosure was provided to the borrower(s)- see page 507 and copy of the appraisal was given to the borrower – see page 163. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/08/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 384 and the Final Closing disclosure on page 204 reflects escrows. Rate lock date was entered correctly in Findings. An interior and exterior appraisal was completed for this property – see page 33, the appraisal disclosure was provided to the borrower(s)- see page 507 and copy of the appraisal was given to the borrower – see page 163. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2025<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4079356 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-02 16:33 | 2025-05-08 11:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Revised LE, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4029226 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-07 16:23 | 2025-05-08 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Tax Preparer Attestation received - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Provide Tax Preparer Attestation - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Tax Preparer Attestation received - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4070760 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-07 16:10 | 2025-05-08 11:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/08/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Evidence of Rate Lock Missing Provide confirmation of rate lock - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/08/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4070597 | N/A | N/A |
| XXXX | xxxxxx8862 |  |  | Closed | 2025-04-30 14:08 | 2025-05-15 20:49 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2025 <br> Resolved-Housing History Meets Guideline Requirements. Additional 2 months of payments received from client to XXXX. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Counter-Searched for XXXX and nothing coming up in file to confirm prior Mtg payment made to XXXX. Need last 2 months of payments made to XXXX prior to transferring to XXXX. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-The mortgage was closed with XXXX and transferred to XXXX starting XXXX payment--The payments to XXXX are listed on the bank statements. Thank you! - Seller-05/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide additional 2 months of housing history as Supplemental Credit report showing 10 months for primary mortgage months.<br> - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Ready for Review-The mortgage was closed with XXXX and transferred to Fay servicing starting XXXX payment--The payments to XXXX are listed on the bank statements. Thank you! - Seller-05/08/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2025 <br>Resolved-Housing History Meets Guideline Requirements. Additional 2 months of payments received from client to GenHome Mtg. - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 4003067 | N/A | N/A |
| XXXX | xxxxxx8862 |  |  | Closed | 2025-04-30 11:45 | 2025-05-15 20:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception approved for reserves. Guides state need 3 months. Approved for 1 month reserves - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 3 month(s) Need sufficient assets, as available assets are covering XXXX months, need additional assets required for reserves 3 months - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Waived-Exception approved for reserves. Guides state need 3 months. Approved for 1 month reserves - Due Diligence Vendor-05/15/2025<br>| XXXX |  | Comp Factor #1: FICO 755 - Min 740<br> Comp Factor #2: Residual Income at least $7500, verified $8404.27<br> Comp Factor #3: Mortgage paid as agreed. No late pays past 12 months. | MA | Primary Residence | Refinance | Cash Out - Other | 4001439 | Originator Post-Close | Yes |
| XXXX | xxxxxx8862 |  |  | Closed | 2025-04-30 09:38 | 2025-05-15 20:22 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product 1 Valuation is Not Expired Or Review Product 1 Valuation Does Not Exist. Client provided updated Desk Review. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Counter-Desk review is expired, we have re-cert of Appraisal value. Desk review has been expired, as per guideline we can accept for 120 days, as it is difference of 169 days, need updated desk review. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. The appraisal was originally completed XXXX--It expired in process and Recert of value was done to extend the appraisal effective date. Thank you!<br>- Seller-05/08/2025 <br> Open-Review Product 1 Valuation is Expired (Review Product 1 Valuation Date is greater than 120 days from the Note Date of XXXX. Days Difference is 169) Desk review has been expired, as per guideline we can accept for 120 days, as it is difference of 169 days, need updated desk review. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Ready for Review-Document Uploaded. The appraisal was originally completed XXXX--It expired in process and Recert of value was done to extend the appraisal effective date. Thank you!<br>- Seller-05/08/2025 | Resolved-Review Product 1 Valuation is Not Expired Or Review Product 1 Valuation Does Not Exist. Client provided updated Desk Review. - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 4000765 | N/A | N/A |
| XXXX | xxxxxx8862 |  |  | Closed | 2025-05-05 10:44 | 2025-05-06 13:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present. Corrected citizenship received. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-The Final 1003 is Missing Provide updated Final 1003, as we have Employment authorization card page #389 in file, Borrower is XXXX. Need correct citizenship as Borrower is Non permanent Resident Alien. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-The Final 1003 is Present. Corrected citizenship received. - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 4040309 | N/A | N/A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxx9434 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.0 | 74.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| xxxxx9705 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx0229 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| xxxxx0021 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| xxxxx0170 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0197 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| xxxxx0042 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| xxxxx0171 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0306 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx0263 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1413 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxx5911 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1467 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| xxxxx0982 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.73 | 59.73 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxx9429 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.08 | 68.08 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| xxxxx0972 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0057 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 47.67 | 47.67 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| xxxxx0931 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| xxxxx1463 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 | XXXX |
| xxxxx1370 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.51 | 68.51 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxx0060 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| xxxxx1382 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx0098 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| xxxxx1433 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0301 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| xxxxx0266 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0336 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| xxxxx0245 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0300 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1578 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| xxxxx2740 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| xxxxx1623 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.11 | 63.11 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2846 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| xxxxx2760 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2843 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2879 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1613 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx2731 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1639 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2804 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1638 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.78 | 57.78 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2856 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2011 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2911 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| xxxxx2009 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.07 | 62.07 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| xxxxx2841 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1202 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2024 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| xxxxx2572 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| xxxxxx0197 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 | XXXX |
| xxxxxx6527 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx8573 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.3 | 46.3 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx7111 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx8266 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 | XXXX |
| xxxxxx8997 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx7811 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 | XXXX |
| xxxxxx8764 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8704 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.79 | 56.79 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8779 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.51 | 76.51 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 | XXXX |
| xxxxxx8924 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.53 | 44.53 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8745 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.64 | 59.64 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 | XXXX |
| xxxxxx7715 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.14 | 57.14 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx7480 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.73 | 55.73 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxx2663 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| xxxxxx8862 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |

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